Thanks for the input on the credit card situation. When renting, I asked the person behind the counter if they knew what credit cards provide insurance. I figured I don't get charged for asking and when I've called credit card companies to see if they offer this, they acted as if they had no idea what I was talking about. The person behind the counter told me the same thing about the credit card not being the primary but also said that if I don't have primary, the credit card company won't provide the coverage generally. Don't know whether this is what they're told to say. If anyone knows of specific credit cards that offer this coverage, I would be interested to hear. Or if they know where I might check. Until then, I also will keep spending the $22 a day. I try to console myself with the fact that I don't own a car since I live in Chicago, which has convenient public transportation, and am not making any insurance payments at all. Thank you again for your input.