I'm planning a trip to Colorado next month, and I'm gonna rent a car to explore around a bit. Usually, I skip the extra insurance they offer at the rental counter because my credit card supposedly covers it, but honestly, I've never had to test that theory (thankfully!). But now I'm wondering if that's actually smart or if I'm just tempting fate, you know?
I heard somewhere that Colorado has some weird rules or something about rental cars and insurance coverage, but I can't remember exactly what it was. Maybe something about liability or weather-related stuff? Anyway, figured I'd toss up a quick poll to see what most of you guys do.
Poll:
- Always buy the rental company's extra insurance
- Rely on my credit card coverage
- Use my personal auto insurance policy
- Wing it and hope nothing happens
Feel free to share your experiences or horror stories too—might help me make up my mind.
I usually recommend getting at least some extra coverage in Colorado, honestly. Your credit card might cover collision damage, but liability is a whole different ballgame—and Colorado's minimum liability limits are pretty low, meaning you could be on the hook if something serious happens. Plus, weather there can be unpredictable (hail storms out of nowhere, anyone?). Personally, I'd rather pay a bit more upfront than stress about potential gaps in coverage later...just my two cents.
Good points about liability coverage—seen plenty of claims where people underestimated that. But honestly, rental company insurance can get pricey fast. Ever looked into adding a temporary rider to your own auto policy instead? Might be cheaper and still cover those gaps...
Yeah, that's actually a smart suggestion about the temporary rider. I've done that before when renting classics for weekend drives—saved me a decent chunk of change and gave me peace of mind. Might be worth checking into...
