There are a number of factors that determine the price of a rental car, from when you book to what you book to who you talk to at the rental car office. The American Express Platinum Card®, for example, comes with secondary car rental and damage insurance1 <p>Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company.