Oh boy this has been a huge pain in my buttocks.

We are now car free and are going to rent a car a few times per year when we really need one.

We do not have car insurance because we do not have a car.

I have found out that most credit card companies insurance is "secondary" insurance. That means that you must have some other type of primary insurance before their coverage kicks in. Im afraid that most people out there renting cars do not know that. Since we do not have regular car insurance that does not do us any good.

Diners club has primary insurance but the annual fee would be about $130 for my wife and I....hardly a good deal.

The rental car comanies car insurance is about $16 a day. So that is $240 a day if we rented 15 times per year. That is for collision and we would also need liability which is even more.

I have done several internet searches and found out about something called "non owners" insurance. I called every company in town and noone sells it. Most car insurance companies told me they would look into it but they never called back. I think they guess I am poor because I do not have a car.

What do you guys do?