I’m planning to rent a car in the Azores and prices seem very low, like 3 euros per day. The insurance costs about 12 euros per day. Four times the rental cost.
The insurance it covers:
- Deductible/excess charge for damage or theft
- Repair costs, including windows, mirrors, wheels
- Towing and taxi expenses
- Lost keys or lockout fees
- Administrative charges
What is already covered without or with insurance is:
- Unlimited mileage
- Collision Damage Waiver (deductible: ~US$ 1410.00)
- Theft Protection
- Roadside Assistance
- Third Party Liability (TPL)
- Airport surcharge
- Free modifications
- State Tax
I’m tempted to rent a car without the insurance for a few months, treat it well, park it in underground parks, then the last day wash the most obvious stains (if any) and return it.
The alternative is to rent a car with the insurance only for the days I need it (two or three times per week).
Do you think it’s a good idea to rent for long time with no insurance?
Would you suggest getting a long-term insurance (like one lasting few months) from a different provider rather than the car rental?
Will the car rental company try to scam me into paying large costs (like rain marks or footprints inside) if I don’t get their insurance?
Should I know anything else before deciding?