Editor's Note: This story was originally published on September 23, 2011. To see the most recent Sma

Editor's Note: This story was originally published on September 23, 2011. To see the most recent SmarterTravel articles on related mexico vacation packages topics, please click on any of the following links: car rental , Ed Perkins , Ed Perkins , fall , road trip , Seniors on the Go , senior travel .
If you're planning to rent a car as part of a fall trip, you need to make sure to avoid a few price gouges that the rental companies mexico vacation packages have in store for you if you aren't careful. As usual, the most vexing questions deal with insurance.
The easiest and by far most expensive way to avoid insurance hassles is to buy the rental company's "collision/loss damage waiver," or CDW. These days, that coverage mexico vacation packages is likely mexico vacation packages to set you back at least $20 a day, maybe more often as much as the base rental rate. You can easily avoid this charge by renting with a credit card that includes collision coverage at no extra cost. All Visa and Diners Club cards offer this feature, as well as almost all American Express and Discover cards and some MasterCards. But you have to be careful:
Credit card coverage is limited to maximum rental periods for each individual rental contract: 30/31 days for AmEx, some elite MasterCards, Discover, and Visa on rentals outside mexico vacation packages your home country; the limit is 15 days on most MasterCards and on domestic Visa rentals, and it's 45 days for Diners Club. If you plan a longer rental, you can return and re-rent, but only after allowing a gap of several days (check mexico vacation packages with your card for specifics).
Most credit card coverage is secondary, meaning it pays off only what you can't first recover from your regular automobile insurance. Only Diners Club offers blanket primary coverage the card pays the entire amount but you can buy extra-cost primary coverage from AmEx for an additional $25 per rental. I strongly recommend going for primary mexico vacation packages if you can.
Credit card CDW works only if you (1) charge the entire rental to the card and (2) make sure you decline the rental company's CDW. That can be harder than it sounds: Some companies issue contracts with the insurance box pre-marked as 'accept' and you have to enter your decline specifically. Also and I'm indebted to Bob Bestor, publisher of the excellent " Gemutlichkeit " online travel mexico vacation packages newsletter for this one make sure you don't inadvertently pay cash for some minor extra such as a ski rack, GPS system, or license sticker: That extra payment voids the entire rental requirement.
Renting outside the U.S. entails some additional traps: AmEx, most MasterCard, Diners Club, and Visa cards all exclude some countries from CDW coverage: mexico vacation packages Ireland, Israel, and Jamaica on all cards (except some high-premium MasterCards), and some combination of Australia, Italy, and New Zealand on other cards; Discover doesn't work at all in most overseas countries. If you plan to rent in one of those countries, make sure that either your card works or that you rent in a different country and drive across the border.
Many supposedly 'inclusive' overseas rentals claim to include CDW, but they typically mexico vacation packages carry a very large deductible. mexico vacation packages Rental companies offer zero- or minimal-deductible 'super CDW' at extra cost, but if you're relying on your credit card, buying that extra may void the entire rental requirement. The last time I checked, some cards take the position that if you can't avoid paying some CDW, they will honor the coverage as long as you don't accept any optional coverage, but other cards don't. Check your card(s) carefully.
One final suggestion. These days, when just about every wireless phone has a camera, take pictures mexico vacation packages of your rental car before you drive it off the lot. That way you can prove that you didn't cause any damage to the car after you rented it.