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Italy Rental Car Deductibles What would YOU do?

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Another Italy rental car question concerning deductibles. So, now that I have three cars rented (I only need one) I have what may be a final question. I need some advice on deductibles.

I am a Hertz gold club member. I have an automatic compact rented with Hertz that has a CDW and theft insurance deductible of 300 Euros on each category for the rate of $543. I thought this was a good rate for a low deductible so I booked it.

I also have an Autoeurope automatic compact car rented through Europcar with zero deductible for the rate of $562.

So the Hertz is a cheaper rental but I am taking a bit of a risk with the deductible but I have the gold status and can earn some points and I like Hertz. However, Europcar is fine too. Both would charge me for an extra driver of very comparable rates.

Do I risk the deductible and go with my go-to American company or do I not take the risk and go with the Europcar for a bit more in price but peace of mind on the deductible front.

What would you do?

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