I've kinda pondered doing this myself for my wife's car, but to be honest, haven't really felt that it would work out economically for us. But I also don't think any local managers are likely to want to write us any particularly great deals, because we do put a fair number of miles on the car. For me I figure the biggest gain would be not having the vehicle depreciation that we normally have, but by the same token, we're not gaining any value in a car paid off either. On top of that, my last car, and my wife's current car, we had for a number of years after they were paid off. Four to five years of not having a car payment go a long ways towards offsetting any differences that one might gain by renting the car, because that's four to five years that you'd be paying on the rental. Yeah, the rental would be a newer car at that point, but quite honestly, cars last for a pretty reasonable period of time these days. I'd have to really sit down and run the numbers to see if it'd be worth the hassle.