I have heard that once a car is out, rental companies start wishing that it comes back accidented so that they can get double pleasure.... money from insurance company and also from you.... after all loss in the market value of the car goes to the guy who is the owner (not the rental company). Better get their driver.
I have never rented car and if not using my own conveyance, I will opt for public transport.
Having said this, renting is a growing trend in Pakistan after soaring fuel price hike followed by unrealistic fare escalation by transport mafia. If there are 4 t 5 guys, its economical to rent car. During my last months trip to Naran, I saw a lot of guys on white corolla ripping and killing the cars and for sure they had rented.