Avoid insurance you don't need
Rental firms will typically offer you insurance to cover any accident-related damage to the truck, your household goods or any person injured in a mishap, but policies you have for everyday life might already cover you.
Bob Passmore, senior director of the Property Casualty Insurers Association of America, says some auto, homeowners or renters policies extend coverage at no charge to moving vans you rent. A parent's policy might even cover a child who's renting a van to move to college.
However, Passmore says that some policies cover only rental trucks below 10,000 pounds of gross vehicle weight. So, he recommends checking with your insurance agent to see what your policy includes.
If you're permanently moving out of a house, condo or apartment, you'll also want to make sure that your homeowners or renters insurance will remain in effect during your move.
Also, check whether your credit card company throws in insurance if you use its card to pay for your rental. Credit cards often include free coverage when you lease a car, but not necessarily when you rent a moving van.