After reading everything, I think at least for my upcoming trip, I'll stick with premium coverage. There's a clause about the secondary insurance and it just doesn't settle right with me. Because it basically states they can possibly use any other insurance polices the renter has. I have theft only coverage on a storage trailer I own until next month. I'm selling it after I remove everything from it. I could see them trying to nab that insurance. I'll just pay the premium rental and be done with it. It's not much for a peace of mind.