Here are some tips to help you get the most value when renting a car for your trip:

• Only rent a car when and where you need it. You may not need a car in the city, but may save money renting at an off-airport location when heading to the countryside.

• A GPS device is advisable when driving unfamiliar areas. Renting one from the car rental company is about $12 per day. Consider bringing your own GPS from home.

• Take photos of all sides of your rental car with a digital camera or cell phone before driving.. Ask the attendant to sign a paper noting any scratches or dents.

• Some car rental companies no longer offer free roadside assistance if you have a flat tire or lose car keys. See if an auto club membership covers these risks for you.

• Check your own car's auto insurer to learn exactly what coverage you have for a rental car. Never decline LDW (loss damage waiver) on a car rental unless already covered.

• Never assume your credit card provides insurance coverage for a rental car accident. Some cards have recently changed this coverage so always check first.

•  In addition to collision coverage for car damage, be sure to have liability insurance in case you are at fault in injuring another driver or passengers.

•  Never allow other drivers, including a spouse, to drive your rental car if they were not included on the rental agreement. If they have an accident your insurance may be voided and you may be held responsible for damages.

•  Renters Collision Insurance is available as an option on several Travel Insured plans for $7 per day, much less than at the car rental counter. Plus each policy includes medical coverage in case you or your travel partner is injured in the car.

•  Some countries make insurance mandatory when you rent a car. Tour operators often sell a prepaid rental package with insurance that saves you money on the counter price.