Originally Posted by
dhuey
Have you considered raising your deductible to $1,500 or even $2,500? Your premiums will be lower, and you'll expand the reach of credit card secondary coverage for rentals.
This is the part I have strong reservation. Sure - more protections = more money. But the thing is if you don't drive enough rental car (like 10-11 months out of a 12-month period), the $1,000 difference in deductible may bite you back. So is it worth doing this?
I am not saying AMEX is bad. But if you truly want primary coverage without using your own insurance, isn't it better to apply a CSP at least and use it, or as someone mentioned, the premium add-on coverage?
Beside - the bottom line is primary or secondary, no credit card coverage will provide you from the liabilities you cause beyond the rental car. I don't believe adding deductible is the solution.