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You also get other benefits besides the gas discount. I haven't decided yet how valuable they are, but one is that they will pay your insurance deductible if you are in an accident. I read everything we got on this and didn't see any fine print that says "only if accident is so much" or "only with this other thingy", so I'm guessing it's a pretty good benny.

If this is accurate, I'd consider raising the deductable to the maximum available.

Oops! I hit the button too early, I was interrupted by a phone call.

Anyway, by increasing the deductable, your insurance costs are reduced, which increses the value of the car club membership.

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