[jodi]

34 - Thanks for putting it so simply!! That really helped. There are three cars and four adults in our household, and I only work 3 days per week. When you put it like that, I really would not need a rental.
Still undecided on the liability. I think I might go with the higher deductible though - maybe just on my car, not DH's. His is only a year old, so we probably would get it repaired if something happened.

dwallyfam - I don't know if that's the case because I have had One Beacon in the past - I'm sure they offer higher deductibles, rental coverage, and higher liability. I don't know if I misrepresented my coverage when I spoke to them, or they just quoted me a absolute lowest they could to get my business...they were a good company and I never had any problems with them, but I really like that Liberty Mutual can deduct automatically from my paycheck.