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Arriving Cancun airport at 3:15pm, you are rather optimistic in hoping to be on the island at 6:30pm. IF you clear I&C fast, take a taxi rather than bus, and get to PDC by 5pm, there might be a 5pm ferry - but you'd still be challenged to catch it. On rare occasion, they have been known to leave late - but generally the go on the hour. At least one of them should run every hour thru the 8pm departure tho, so if you make a 6pm ferry - you could be there before 7pm. If any step is late tho, later...
If you use your credit card free collision insurance, then happen to have a claim - you may be forced to pay the damages yourself, then file for refunds later. Know any lawyers on Coz...?Looking at Isis prices there flat rates are $35 a day from Avis I can use my credit card for the insurance to cover the car and add $12 a day for the enhanced liability. .