What insurance pitch should I expect at the SeaTac CONRAC counter?
Verified: 2026-06-08
At a glance
Expect a bundled CDW+SLI+PAI package quote ($30–$55/day) before keys — decide in advance.
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
- CONRAC counter scripts typically present a "full protection package" combining CDW/LDW ($15–$35/day), SLI ($12–$18/day), and PAI ($5–$10/day) for $30–$55/day total.
- Agents may say "your personal insurance won't cover rentals" — often overstated; verify with your insurer instead of deciding under shuttle-shuttle pressure.
- Peak season (July, annual passengers) means longer counter queues — pre-decide to avoid fatigue buys.
- Corporate travelers: check if employer travel policy requires SLI or allows credit-card-only decline.
- Loyalty members (Hertz Gold, National Emerald) still face insurance upsell at key handoff — decline before signing the tablet.
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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