>> It's why I keep rental car coverage for our vehicles even when we don't need it -- to hold the insurance company's feet to the fire, so they feel the financi

>> It's why I keep rental car coverage for our vehicles even when we don't need it -- to hold the insurance company's feet to the fire, so they feel the financial pain, too, when they hold your car hostage for a month. Most rental car coverage only lasts 30 days maximum (sometimes it’s even less). It’s unlikely that carrying rental car coverage does anything in practice when netted against the increase in your premiums and in light of the limited coverage plus the discounted rental rates insurance companies get from rental car companies. I would imagine your car insurance provider is ecstatic that you pay an extra $X amount a year to “stick it to them.”