Editor’s Note: Thank you for your interest, any offer(s) below expired and are no longer available.
Over the weekend, I went online to rent a car for an upcoming trip. As usual, I used a combination of Hotwire and Priceline to get the lowest possible rate, ultimately winding up with a reservation through Hotwire.
During the checkout process, I was offer rental car insurance. The policy that I was offered was through Hotwire, and it was significantly cheaper than what the car rental agencies offer, costing something like $35 for the whole rental term vs. $20-$30/day. Nonetheless, I declined.
Why decline rental car insurance? For starters, our regular car insurance policy extends to rentals as long as they’re being driven in place of our regular car. In addition, our Platinum Delta SkyMiles Credit Card from American Express offers car rental loss and damage insurance as long as: (1) you decline the rental agency’s insurance, and (2) you pay for the entire rental with that card.
Many other credit cards offer similar protections, though it’s always best to check the details yourself. Some credit card policies pick up where other coverages end, essentially covering your deductible, while others will cover the whole thing. And, of course, some cards don’t offer this sort of protection at all.
As I was about to click the “Rent Now” button, however, I got to wondering… Does credit card car rental insurance extend to rentals through third-parties like Priceline or Hotwire? Hmmmm. I wasn’t sure. I did a bit of Googling, but could find anything definitive. Thus, I decided to contact Amex directly to ask.
Here was their response:
“Good Morning! Yes, these would be covered as well, as long as the rental is charged on your card. You would need to waive their insurance.”
Excellent. Now I’m double covered, with our regular car insurance policy extending to the rental, and the Amex policy also covering the rental. No need to spend a bunch of extra money on that scammy loss and damage waiver (LDW) from the rental agency. And I got the rental itself for more than 30% below prevailing rates.
Obviously, you should double-check with your card issuer to be sure that they have a similar policy. But I would guess that most, if not all, card issuers treat rentals through third-part travel discounters in a similar fashion.
Now I just need to remember to return it with a full tank so I don’t get hit with that pesky fuel surcharge…
I also work for a rent a car company, and I assure you the coverages we offer are not a scam. the coverages are actually really good, ya its a bit more costly, but what it does it completely waives your responsbibility to the vehicle. I understand people dont think they need it, but accidents do happen whether its their fault or not. with rent a car’s coverages, you dont have to pay out of pocket expenses nor have your credit card company or insureance comapany get involved plus you take a risk of your premiums going up if you used your insurance company. also,alot of credit card companys offer that coverage but its secondary coverage, meaning your insurance will be primary. I always recommend the rent a cars coverages cause if something does happen you just sign a accident report and you walk away, simple as that. also I would stay away from hotwire and priceline’s coverages, you still have to file a claim and who knows how long it will take for them to get something done, same goes with your insurance company for rent a cars only, I am saying this because if someone got into an accident and it takes a week for your insurance company to pay out,rent a car companys will still charge you for the time the car is out of service. by accepting the rent a cars insurance you dont have to worry about that, like i said it completey waives your responsbility to the vehicle, your fault or not.
that is NOT insured can be deducted from your taxable income.
In the business of renting out properties too other individuals such as homes, apartments or buildings,
there are certain challenges that owners should be aware about.
If the building iis available for lease, the interest is deductible on the Schedule E, as a rental property expense.
If you are in the market for a policy your answer is probably yes.
If you are shopping for a new car, be sure and consider the cost of your premiums
in your new budget. Thhe more comparison that gets done, the greater
the savings drivers can find.
The numbers tell the cover companies that it’s more likely that a person aged less than 25 meets with an accident than a person aged more.
If you are looking into obtaining car insurance for young drivers, you should be prepared to pay a
reasonable high price monthly. By just taking a few hours to find multiple insurance quotes for auto insurance and comparing them, you’ll be
saving yourself tons of money every year in insurance.
You can also get cost effective coveeage by purchasing a cheaper car.
To this end, a Scottish couple whho lost thdir son in a car crash earlier this year
have teamed up with their local police force to launch
a campaign to save lives. 5 litre engine churning out 170bhp – not bad for my first car considering it’s more powerful and much faster than any car my dad has ever owned.
If yyou pass this up and your spouse pays you out then the problem often is that yyou don’t then have enough money to purchase a property of your own.
Although getting alternative value rather than industry value with Calgary House Insurance may price
a little bit more it can end up saving you 100’s of dollars at the
same period when you can least afford extra expenses.
What is “pre-approval”, and how can it work in your favor.
Keep thiks in mind when searching for homeowners insurance, and just keep comparing prices until you find the homeowners insurance that meets your needs.
In addition, there aare many types of risks that are usually covered under a title insurance policy, such as
survey irregularities, forced removal of existing structures, unregistered easements and rights-of-way
and lack of pedestrian or vehicular access to thee property.
Article Source: sure you have enough insurance
cover for what yyou need and dont end up like Unlucky AAMI Insurance where those people lolst more than just a phone.
The Private health insurance is tthe fasrest
way to acceds for any medicql care, as the available NHS
are not sufficient for all types of treatments, the unknown diseases and the available infrastructurre at the NHS is not adeequate
for sspecific treatments. To keep costs in line,
use walk-in clinics, county health services and talk to your personal physician.
It is important for oone to be insured these days as the cost
of medication and medkcal expenses are enough to cripple one financially.
While you are choosing which health cate insurance program
you would like, consider hhow healthier your household are.
Thesxe cards can be used to pay your providers as needed and then you make monthly payments too the credit card company.
‘ Online health insurance: There are many distinct advantages
of making use of technology and venturing into
online health insurance ‘ you could get health insurance
at your own ease, in tthe cofort oof your home, andd you could get health insurance rea fast,
cutting down on the pocessing time.
This is why; the extent of coverage that one would reqhire must be
factored iin when making a policy purchase decision.
Now, we aare not looking at hundreds of thousands of AT&Ters losing their health care coverage,
we are looking at millions of Americans losong their health
care coverage aas a result of Obama Care. The most important thing to remember is
you need to takee control of your Health Insurance plan.
Keep the following information in mind the next time you move.
There aare usually a number of aspwcts to consider just before you eventually havee your
carcovered. Consijder onee time annual settlement of the premiums
because thos will always save good sum of cash.
The NCB is only one of the factors thatt determine your insurance cost
when calculating your premium price. In short, a non-owners policy only covers utilizing someone else’s vehicle with their permission as long as they are outside of your family.
Medical Payments Coverage may cover the cost of emergency medical
care including ambulance transportation, emergency room expenses, in-patient hospital stays,
X-rays and lab tests, as well as follow-up medical visits to a doctor.
It’s easy then to compare them side by side to find
the best prices and coverage. Permissive use exists when you allow another person to drive your
vehicle. You might face strict charges if you don’t have vehicle insurance.
As a motorist taking the time to discover the right policy
will assure the lowest prices, the most effective policy
coverage and insurance through the best insurance provider on the market.
Such expenses will not be covered by personal auto insurance as delivery drivers are considered
as high risk. With this in mind, it’s important that you read the small
print and learn what and what isn’t included within the
policy.
The comparative analysis of these quotes would be
helpful in deciding upon the plan to be purchased, as one would get idea of coverage limits as well as other benefits and features of the
plan. Now that costs are showing a downward trend, this
is definitely the time to purchase health insurance Ohio. As the technology has been integrated with the healthcare management
and treatment procedures, healthcare or medical treatments also have become quite expensive.
Your health insurance may include a mail-order prescription option which is a convenient way to save money.
To help you understand what are the underlying principles
contained in most pet health insurance offers, here are
some points that you should look into:. Much of the discussion centers on the impact of health
care reform on small business.
If you answer “yes” to any of these questions, consider consulting your family physician.
The law calls for an assessment of $2,000 per full-time employee.
‘ Individual, Family, Group, and Student health insurance.
Even if you get one using quotes, it is difficult to get the best rate.
This type of transaction can be a tricky thing so being cautious is essentially key.
This also explains why the other items are not considered part of the car,
since they are not physically attached to it.
Don’t think that quotes simply include prices of health insurance single plans.
You can also shop here for affordable individual and family health insurance plans.
Getting your quote for auto insurance online is easier than ever.
Food insurance that provides meals for a period of time in
the event that a person cannot get access to food and water is
promoted on many television and radio programs, often
in conjunction with some kind of doomsday scenario. In all of these situations, an estimated 60% to 80% of the homeowners are not aware of the provisions of
their existing homeowner’s insurance policy that would
essentially end coverage, exposing the homeowner
to catastrophic loss. The insurance coverage cowl might be equally high and due to this fact be prudent to verify and take
time to match before settling for any plan.
All the companies basically carry the same risk profile
they simply offer very competitive rates for certain groups
of people and less competitive rates for others. COBRA Insurance allows you to have medical insurance without any
medical screening history. Good reasons for Obtaining Key
Man Everyday living Insurance are,For instance, a health-related skilled with twenty 5 years practical experience can
not be restored by a refreshing graduate.
Health coverage is supplied by this firm
to over 30 million customers via the Blue Cross and Blue Shield
name. Insurance is transfer of a risk and one of the most
significant investment tools in ever changing world.
Second, if you are low income you may qualify for the Pregnancy Related Medical
program in Washington State through Medicaid.
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Having pre-existing conditions makes it nearly impossible to get medical insurance.
Sometimes just switching from one insurer to the
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Your site has the same post as another author however i like yours better.
I suggest making sure that you have $1000 saved in the event of an emergency.
You have to properly understand the foremost reason why
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A spokesman for the ABI, The Association of British Insurers stated
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that they were far more likely to make a claim than older drivers.
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The scenario can be even more difficult for the poor drivers.
That’s a 90% move of getting deprived of a cheap insurance. Now, the compulsory is the standard amount of excess or deductible given by the insurance companies on The higher the deductibles, the lower the premium.
Link Assistant will also monitor whether a partner is returning the link or not.
SEO is one of the most abused terms on the internet now.
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The advent of the internet has brought about
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that affect the rating of your quote or your renewal premium.
For example comprehensive insurance does not
necessarily cover liability.
Among the finest tips to get around that is becoming a member of an experienced business
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Thanks for finally talking about >Does Credit Card Car Rental Insurance Cover Priceline and Hotwire?
<Liked it!
Short-term health insurance policies usually are relatively easy to obtain.
The health care questions will become a thing of the past and will be replaced by questions about applicants income.
Carl Wheeler ~ Author and Publisher for Six Saturdays a Week, A web site dedicated to the improvement of the quality of life as we age.
I think everything said was actually very logical.
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I mean Does Credit Card Car Rental Insurance Cover Priceline
and Hotwire? is kinda plain. You should peek at Yahoo’s front page and watch how they create post titles to grab people interested. You might add a related video or a pic or two to grab people interested about everything’ve got to say.
Just my opinion, it could bring your website a little livelier.
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In moments of crisis, it is comforting to realize that your name is known by way of an agent that’s supportive to your requirements. Scanning it and keeping copies online is a good idea in case your paperwork is ruined. When you find a house that you want to invest in and buy for yourself, part of the buying process is to take out a loan.
It has a 40% coinsurance for additional $1400 out of pocket max. This increase can have dramatic consequences in the public school system, too. If you let your insurance coverage lapse for even as small as three months, almost all health care providers will consider your condition to be pre-existing.
Obamacare, or The Affordable Care Act (ACA) makes dramatic changes to the way in which millions of Americans access health care. and due to some internal organ dispute (such as heart blockage or kidney blockage), we experience major, as well as casual health breakdown issues. Do not consider a lot but connect aided by the most reasonably priced and detailed group wellness insurance coverage California.
The insurance company will likely visit your
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You never know when you might need to lean on your home insurance in Marysville,
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It’s going to be finish of mine day, but before end I am reading this wonderful piece of writing to improve my knowledge.
Though, take care not to go for a very bare bones plan; you at least need a plan that will cover emergency room visits and hospitalization
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Assuming your record is relatively free of accidents, tickets, and convictions, your rates would almost certainly rise.
If it goes on the fritz, do we think about calling the insurance company. A massage course that trains people to be excellent therapists is what people should look for when choosing a massage course to undertake for their training and that’s what we aspire to in our massage training techniques. So in wrapping this up, what Obamacare seems to be promising are: higher health care insurance premiums, subsidies to help pay for those premiums that require constant scrutiny by the IRS into your affairs (unless you don’t need a subsidy), no guarantees that your coverage will remain in effect, no guarantees that the health care costs you incur will be covered due to a continued problem with affordability, and no way of knowing whether you’re really in compliance with the Patient Protection and Affordable Care Act until tax time, at which time you may have to come up with more money to pay back a portion of your subsidy.
Don’t let this minor difference in “official” price fool you, though. Try to make your selected keywords prominent in the body text. Find out the number of text links and the anchor text your competitors have pointing back (called backlinks) to their content page with this free tool from backlinkwatch.
Text- based ads help create a local context, making the ad more
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I wanted to help her find an amazing keyword to use as her domain
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Using this kind of software, they could have more time doing some important things on how they can expand their
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This can make it frustrating for someone who wants to see if Type – Pad
is the program for their needs before investing money into it.
You also want to make sure you add medical coverage to your car insurance policy in case you don’t have health insurance of your own. After evaluating all the evidence, they could make a higher offer or refer the issue to remediation. In this case, insurance companies are rewarding drivers for being responsible.
If correctly implemented, these tools can help you achieve massive
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top rankings with all the major search engines on the Internet.
Naturally, this does not mean that there is
no room for improvements. Here is an article exploring
ten unique small business ideas to help inspire new entrepreneurs to jump in and get that business off the ground.
When an auto insurance policy addresses excluded drivers,
it lists the names of the specific individuals not covered under the insurance provisions.
Make sure to compare the different policies from each company to ensure that
you are getting the same coverage for the different amounts of money.
Taking into account the statistics that the companies have proven about the
risk represented by the young drivers, finding cheap car insurance for a young driver is a difficult task to accomplish.
Jot down the setting, time, weather and other aspects of the environment;
you don’t know what will be significant later. Just make sure you’re aware of the terms and know what you need to do
to purchase extended coverage. Consider their accreditation and check
with the company that accredits them.
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There are different types of car insurance protection yet primarily it may be grouped beneath a few extensive categories of
liability, physical harm insurance coverage as well as without being insured driver
protection. The last thing that many insurance companies
look at is your current financial situation.
Here’s how to find the lowest cost health insurance plan. Advancements in technology and innovations have no wonder changed the way we live our everyday lives. Operating through the online portals of the companies, you can easily compare the policies.
Because, in the long run, it will bring back better returns.
You should definitely make sure you are able to
maintain continuous communication with your provider all through the process, together with comprehensive reporting that’s clear and understandable. Sometimes when we were dealing with underwriters, title companies, and so on, we wouldn’t get things done on our schedule.
When you choose certain high-deductible plans, you can open a tax-free savings
or investment account and to boost your savings in case you
need to pay for health care before the plan’s deductible is met. The site is so committed and devoted in proving valuable service to provide long lasting relationship with clients. Middle-class Americans who aren’t eligible for coverage through their companies will have the
opportunity to purchase private insurance, and with the help of
tax credits is designed to make premiums more affordable.
Higher ranking with the search engines drives in more traffic.
this is a H1 (heading element) from the Next Marketing website.
Make a list of providers, which satisfy the optimization need after considering the available
financial aspects.
Health Benefits of each Green-Fruit Juice Ingredients:
. Collection agencies will gather outstanding healthcare debts, which may affect your credit rating or make you
mortgage your house. Can I go to drug or alcohol rehab without
insurance.
Moreover variable rate investment certificates are as well provided to
investors. In Ontario, this is the Financial Services Commission of
Ontario ( If you wish to pursue the matter further, you may contact
the General Insurance Ombudservice ( which helps resolve conflicts between insurance companies and their
customers through mediation. Do you have more rollover minutes on your
cell phone than you could possibly use.
So, you need to invest in some or the other health
insurance plans to safeguard your health and the expenses for the
same. Health plan of this type can only be purchased from the website of ICICI Lombard.
WIth the advent of health reform, the vast majority of health plans purchased will either
be Bronze (of the Exchange) or Silver (in Exchange with health subsidy).
Many online insurance companies offer online health insurance quotes to the people according
to their needs. This will expel harmful toxins out of your body, keep your metabolism healthy and
skin glowing with youthful radiance. Before selecting a new health
insurance coverage policy you’ll have to consider the medical options which the policy offers.
In this advantage is being given to the individual health coverage policies that are
basking in an undivided from the agent of coverage or from the segment of customer care of the
insuring firm. You can review your options and try several ways to get the
most appropriate health insurance quotes for
you or any of your family members. Firstly is the
research which are taken up while comparing the different
quotes that are on offer.
His website SEO Content Online depicts the areas of writing in which
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If you are planning to shift your house and your friend drives your family home while
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Owning a business is demanding enough, but when everything is
carried out properly to start with, like the proper vehicle insurance coverage
then there must be no problems down the road.
I have been rear-ended twice in the past few years. I have had clients receive a wide variety of discounts, one
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This independence is tough earned and automobile insurance will
help them continue to keep it.
As it seems, the data retrieved had some nice
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Researching the appropriate targeted keywords is essential for business success.
One day car insurance is a type of temporary cover that provides indemnity for 1 day up to
a month at a time, with the option to renew as desired.
Occasions you may want to purchase daily car insurance would include, making use
of someone else’s vehicle to move, letting an on vacation guest takes place car getting around, or you will be offering a car on the airport for any friend to operate a vehicle home or maybe you are using someone’s else’s auto to bring them home from your hospital. 25 years old Underwear model Janetta hobbies and interests includes 6 Months Car Insurance electronics industries and physical exercise (aerobics weights).
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Creative backlinking strategies can create a situation where your web site is attracting backlinks
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As a business person, you always want to find out how your
competitors are doing so you can devise strategies on how you can counterattack your competitors.
well since the inception of individual health plans in California.
These exchanges will be run by private companies such
as insurance providers, insurance brokers or benefits consultants.
Current and pre-existing conditions are also factors in establishing prices.
Everyone would like to spend less money on insurance
bills at the end of every month. The bad news on pet insurance is that just like auto insurance, everything is “per incident” or “per visit”
for the major stuff. This includes ‘Major Medical Plans[,] Indemnity plans[,] Preferred Provider Organization (PPO) plans[,] Health Maintenance Organization (HMO) plans[,] Point of Service (POS) plans[,] Limited Benefit Plans[,] Basic Hospital Expense Coverage[,] Basic Medical-Surgical Expense Coverage[,] Hospital Confinement Indemnity Coverage[,] Accident Only Coverage[,] Specified Disease Coverage[,] Other [forms of] Limited Coverage[,] Discount Plans[, and]Non-Licensed Risk-Sharing Plans’.
Health insurance is also one of the most important types
of risk insurance as it covers illness as well as accident.
Before you venture out to dealerships or used car lots, do some research.
Eventually he gets pulled over for some traffic infraction.
t ever have to worry about not having insurance in the event that you are in an automobile accident.
However with cut-throat competition coming in the industry, the insurance cover firms are providing brief time
period and temporary auto insurance facilities to the user of
the car. You have raised $1,752 to start your business, which is more than most
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Doing these checks yields useful information to webmasters so that they can
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For many, that means they will still need COBRA coverage for a period of time.
You can access those numbers here and the qualification will have a look back period.
This medical insurance policy provides you coverage against critical illnesses such as heart attack, organ transplants, stroke, and kidney failure among others.
Typically health insurance carriers will not prohibit the use of one drug as compared to
another drug, but the carrier can provide a stronger benefit for the drug
included in their formulary as compared to another in the form of a more attractive co-pay or
a different deductible schedule. Some predict that Europe could go the way
of Japan’s glacial deleveraging and take a decade or more to clean up its banks. It also covers the loss of income in case regarding temporary or permanent disablement.
They may possibly spend any financial assistance to pay for the hospital.
Fallbacks of Private Health Insurance Although private health insurance offers significant advantages to the people, there are
a few areas that need improvement. Private plans are common, but they
do not accept every applicant.
We will point out some facts about this health care legislation that should be common knowledge for
every citizen. This activity of private health insurance plans actually gives you an
idea and revel different differences among the insurance plans.
There are no conditions that prohibit you from changing the options whenever you want.
Simply long sufficient to move home, but not so long that you’re left cursing the cost. Why people enjoy playing these games is because they offer a great deal of fun without ever making you feel bored ever. Classes place teen drivers and one parent inside a car on a motor track , while experts radio over instructions on how to brake at the vehicle’s limit and swerve while retaining
control.
Paying for your insurance online started back in 2005, it”.
Instead of acting as your sons or daughters personal chauffer wouldn’t it be more relaxing to enjoy a night or two off and put some insurance for 1 day in place for them to drive themselves and not you mad. In my honest opinion, I truly think that Progressive Snapshot is a great new technology.
– each query takes a bit too long to be processed (up to 1 minute).
Check how numerous pages Google has indexed for one website.
Web tools are essential and important tools that you require to add extra features to your website and also to improve the functioning of your website to
perform better in search engine results.
You want a pen and piece of paper and you have to take a slow
walk-through each and every room of your property and appraise
all things in there and allocate a price to everything to
determine the measure of insurance. Also, be positive that you are searching at all of the info with the
agreement prior to you signing an agreement. Likewise if a builder builds a house and it starts falling down within a year then the builder must rebuild the
property with money from their own pocket.
Some of the best times to use one day car insurance are when
your relatives are coming for a visit and will need to use
your car, when you need to borrow someone’s car for a day or two, when you go on holiday and want someone to help you drive. It might be you wish to take a test-drive of a auto, well again 1 day car insurance will give security while you do your test-drive. So in case you need one-off one day car insurance, so long as you’re a typical,
non-dangerous car driver then you can get the policy that’s required.
Choose too low a level and you may not be fully covered, over compensate and you could end up paying more than you need to.
When a person has relatively few assets that can be sold
in the case of an emergency, paying for insurance riders to cover damage
to costly items can be a good idea. There are websites that are
designed to take all the hard work out of the process for you.
Like any other type of coverage, it has cons that seem very unfair.
But if any claim was lodged 12 years back then expecting client or existing insurance company to provide all documents
pertaining to the same is neither feasible nor possible.
More than a few health insurance companies are beginning to recognize this fact.
Home insurance is important for your new house because house insurance takes care
of you if your house is damaged. The extraordinary substantial stone
or ‘stele’ which contained Hammurabi’s code can be viewed today in the Louvre Museum in Paris, and the laws and regulations contained on it do contain what we would probably class as insurance laws. This is exactly why the internet is nowadays full of advice regarding the importance of getting home insurance quotes on a regular basis rather than simply remaining loyal to your current provider year after year.
Unlike HMOs, emergency room visits are generally covered
under PPO medical plans. This is a lot cheaper than the costs if a major medical problem comes
up. It is the out-of-pocket fee that you need to pay for
every doctor visit or if you need your prescriptions filled.
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I work for a rental car company..
Rental car insurance from the car rental companies are not a SCAM!
Sure, it’s a lot higher cost and the company makes a lot of money on it, but it is not a scam- it’s a choice!
Some credit cards covers, but only as a secondary once your personal insurance have been applied (and you MAY end up paying out of pocket for your deductible)
Also, some insurance companies does NOT cover downtime (loss of use) which is a daily loss of revenue fee that rental car companies will charge you while the car is out of service- this can be any fee- but usually around 40 bucks..(per day!)
Like someone said- check with your insurance company- check with the credit card- and be informed of what’s covered..
Also, consider that some things that happens out on the road.
Tire damage, loss of keys, lockout service, tow-truck (when its your fault) etc can become additional charges for you and may not be covered.
If you rent a car for one day or two, these options could be convenient… not to worry about stuff. but I agree- when you keep a car a long time, its certainly a big expense..
“My credit card covers the Insurance” BS it covers 30% max unless your fortunate to be one of the few 100 people in the US that has an American Express Black Card that card pays 100 %
I work for a rental car company. If you have collision/comp with your current vehicle you don’t need to buy any insurance because your insurance company will cover you. The only downfall to using your insurance is that there’s a possibility of your premiums going up. Dont buy Priceline or Hotwire insurance it’s crap bare minimum coverage and if you get into an accident there going to go through that insurance and then after your personal insurance as well
I read these stories in all personal finance blogs. Make sure you understand the situation. All these credit card insurances(including paid Amex premium rental insurance and your personal car insurance companies
) does not cover few charges which can substantial in case of accident. They are loss of value and loss of use(Amex can cover this if rental company shares the orderbook to show that they lost business as the car was out for maintenance, but rental company will share that).
So my advice, make a deal on rental rate but buy CDW.
The problem I had with my last rental was they wanted me to return the car with the same amount of gas as when I rented it, which was like a quarter of a tank. How do you measure that? I’m so used to just topping off the gas tank. I ended up having my friend keep an eye on the gas gauge while I filled up to let me know when I got to that point. I’m going to have to check my car insurance and credit cards so I can avoid those rental charges. I don’t rent that often, but it’ll come in handy when I do.
Rental car LDW seems like such a scam. Why does it cost $15-30 a day when my regular car insurance (for two vehicles) costs less than $2 per day?