ZT： Credit Card with Primary Car Rental Coverage insurance

转帖部分常见的租车含primary coverage保险的信用卡， 也就是先用信用卡内置的保险去赔付，
不够了再使用自己商业车辆保险的意思。 （反之就是secondary coverage）
Primary rental car coverage provided by a credit card generally covers the loss of the vehicle, meaning you won’t need to 1) pay a rental car company an extra fee for coverage when renting a vehicle or 2) alert your car insurance company to any activity that could cause your premium to increase.

http://millionmilesecrets.com/2014/08/18/credit-cards-with-primary-rental-car-insurance/

http://thepointsguy.com/2014/08/credit-cards-that-offer-primary-car-rental-coverage/

1, Chase Sapphire Preferred. Just recently, Chase announced a change in the Sapphire Preferred CDW coverage from secondary to primary insurance. Rentals paid for with the Sapphire Preferred are now covered for losses including physical damage and/or theft of the rental vehicle, valid loss-of-use charges assessed by the rental company, and reasonable and customary towing charges related to a covered loss. Reimbursement is up to the actual cash value of the vehicle as it was originally manufactured. While expensive/exotic cars are generally excluded, exceptions include select models of BMW, Mercedes-Benz, Cadillac and Lincoln.

2, United MileagePlus Explorer and United MileagePlus Club. These are the only two Visa Signature cards to offer primary rental car insurance, and the insurance policy terms are the same as those offered by the Sapphire Preferred, with the exception of the expensive/exotic cars inclusions and the fact that United offers its primary coverage in all countries, even those normally excluded by other policies.

Read more: http://thepointsguy.com/2014/08/credit-cards-that-offer-primary-car-rental-coverage/#ixzz3RlkmOAyE 

3,  American Express -  需要先enroll，enroll之后你每次使用AE卡租车自动charge 24.99$的primary coverage fee

American Express Cards. All American Express cards offer premium primary coverage for $24.95 (or $17.95 for California residents) for a rental period of up to 42 days. However, know that when you enroll an Amex card for this coverage, you give Amex consent to charge your card automatically each time you use it to rent a car; if coverage won’t be necessary for your travel needs, be sure to disenroll your card prior to your trip.

Read more: http://thepointsguy.com/2014/08/credit-cards-that-offer-primary-car-rental-coverage/#ixzz3RlmKKU4K 

4， Citi ThankYou Premier, Citi ThankYou Preferred and Citi Prestige. These cards provide CDW coverage up to $50,000 worldwide for most vehicle rentals of up to 31 consecutive days.