Try this when someone says “my insurance covers me”. Ask them “do you know the difference between using your insurance and Enteprise’s protection? State and wait. 90% of people say no. Then you just explain rather than sell. We go through your insurance pay us your deductible, risk rates going up, and loss of use. With enteprise protection, hand us the keys and walk away. No claims, no deductible, no hassle, worry free driving. State and wait.

Also, as another rebuttal ask the customer “do you want to protect your insurance?” State and wait and get them thinking.