You have more options than the counter agent wants you to know about. Here they are, ranked by value.
1. Bonzah — Best overall value
Purpose-built rental car insurance, primary coverage, $7–10/day. Best for US rentals where you want straightforward protection without involving your personal insurer.
2. RentalCover — Best for international and comprehensive coverage
Covers tire, glass, undercarriage, keys, and loss-of-use fees. $9–12/day, works in 140+ countries.
3. Primary coverage credit card — Best if you already have one
Chase Sapphire and Capital One Venture X offer primary CDW. Free if you already have the card. Gaps: no tire/glass, no liability, limited internationally.
4. Personal auto policy — Use with caution
Extends to rentals but comes with your deductible and can raise your premium.
5. Rental counter CDW — Last resort
$25–35/day for coverage you can get elsewhere for $8–12. Not worth it in almost any situation.