Almost all credit cards I've seen only provide secondary insurance, which means that if you already have normal car insurance, the credit card insurance only ki

Almost all credit cards I've seen only provide secondary insurance, which means that if you already have normal car insurance, the credit card insurance only kicks in after that is exhausted. One of the few cards that provides primary rental car insurance is the Chase United Explorer card. If you rent cars regularly it can be worth the annual fee for that feature alone. (Assuming you have car insurance to begin with -- if you don't, then there is no difference between primary and secondary coverage)