I get why people want the extra insurance, but honestly, I’ve skipped it a bunch of times in Montana and just crossed my fingers. Maybe I’m playing with fire, but I figure if you drive carefully and avoid night driving (deer central), you’re probably okay? Anyone else just roll the dice and hope for the best?
I hear you—Montana’s got more deer than people, I swear. I usually spring for the extra insurance, but that’s mostly because I once watched a buddy’s rental get a new “grille” courtesy of a rogue elk. Ever had a close call with wildlife out there, or am I just unlucky?
Extra insurance? I get why folks grab it, but honestly, I think it’s overkill if you’ve already got solid coverage on your own ride. Most credit cards cover rentals, too—just gotta check the fine print. I’ve driven through Montana plenty, dodged a few antelope, but never hit anything. If you’re careful and not driving at dusk, odds are you’ll be fine. Those rental companies love to upsell.
Most credit cards cover rentals, too—just gotta check the fine print.
That’s been my experience as well. I always double-check my card’s policy before renting, and so far, it’s saved me from paying extra at the counter. The sales pitch for insurance is relentless, though. I get nervous when they start listing all the “what ifs,” but honestly, if your regular insurance or card has you covered, why pay twice? I’d rather spend that money on gas or snacks for the road.
Honestly, I get where you’re coming from, but I’ve actually bought the extra insurance a couple times—mainly when I was driving in Montana during winter. My regular insurance is decent, and my card covers some stuff, but those icy roads made me second-guess myself. One time, a buddy of mine slid into a ditch out there and the rental company tried to stick him with a huge bill. Ever since then, I just weigh the risk vs. cost. Sometimes peace of mind is worth it, even if it’s not strictly necessary every time.