Just a quick tip that I was reminded of when traveling recently… Car rental agencies do their best to push their overpriced insurance on you when you’re standing at the rental counter. Be prepared for their sales pitch by checking whether or not your own policy extends to rentals. In our case, it does. As long as we’re driving the rental in place of our own car (like when on vacation) then it’s covered.
If you’re going to be paying with a credit card, you should also check into what sort of coverage the card provides. In some cases credit cards provide secondary coverage that picks up where your own leaves off, thereby paying your deductible. In other cases, a credit card will cover the whole shebang. If you check with both your insurance agent and your credit card company before you depart, you’ll be able to make an informed decision and your savings could be substantial.