for others out there like me who Legally are not an owner of a car thusly have no ins. Do NOT use PL for a car, since you are paying PL and not the Car Compnay your CCs CDW does NOT get Invoked. Thusly you will have to pay for CDW which can well negate any savings.

when I rent and pay the Car company with my CC its Primary for me since I dont have any car ins