Originally Posted by Stefan Daystrom

(OTOH, if you don't use it every month simply because your only regular use will be for primary coverage on rental cars, the second pont may not matter to you. Value of not paying $100 deductible on your regular auto insurance: $100. Value of your regular auto insurance not even having a record of your collision-damage-only $$$$ accident that Diners covered 100%: priceless!)