How do I safely decline rental insurance at the SeaTac counter?
Verified: 2026-06-08
At a glance
Bring proof of coverage, initial the decline lines, pay with your coverage card, and photograph the signed contract.
What to know
Tables, fee breakdowns & trip planning — not a raw data dump
Planning your rental
Shuttle & pickup
Terminal Islands 1 & 16 → CONRAC (3150 S 160th St, SeaTac, WA 98188)
| Band | Wait | Note |
|---|---|---|
| Off-peak | 5–8 min | Weekday daytime |
| Peak | 10–15 min | Rush hours |
| Friday PM | 12–18 min | ~6 PM band |
Out-the-door fees
| Kayak base rate | ~$57/day |
| Facility charge (CFC) | $7/day |
| Concession recovery (ACRF) | 11.1% (~$6/day) |
| Est. out-the-door | ~$70/day |
What to expect on your trip
- Declining CDW/LDW/SLI at CONRAC is legal when you have equivalent coverage — agents may pressure upsells; stay polite and firm.
- Before counter: print your credit card Guide to Benefits collision section OR insurer declaration page showing rental extension.
- At counter: say "I decline all optional insurance products" and initial each decline box on the rental agreement (often 3–4 lines).
- Pay with the same card that provides coverage — splitting deposit and rental charge across cards can void benefits.
- Photograph all pages before leaving the counter.
Honest heads-up
Know this
Kayak averages hide CFC (~$7/day) and ACRF (11.1%) stacked on base rates. Compare all-in daily cost, not headline $/day.
Know this
Deposit holds are often confused with charges. At CONRAC, holds typically release 5–14 business days after return depending on bank batching.
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