I never get the insurance, its just a way to get more of your money for no reason. I get covered under my amex credit card "Car Rental Loss and Damage Insurance" with no deductible and my own insurance policy.
My personal liability,comprehensive and collision apply to any rental car with my same deductible.
If you want really good coverage to ensure no out of pocket fees if you get in an accident you can call your insurance company to add Use of Non Owned Car-Physical damage (UNOC) coverage for like $5 a month and cancel it after your trip.
You can also get primary premium car rental coverage for $25 from Amex that is even better than their free coverage. It covers you for up to 42 days: »www295.americanexpress.com/premi···/home.do
Why would I need to pay a rental company for a 3rd insurance?--
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