Your best bet is either buy the coverage from the rental car company or change your credit card. A credit card will generally cover physical damage to the vehicle with a limit of $50,000.00 and is for personal type vehicles (car/minivan). This means do not rent a cube van or moving truck and think your credit card will cover.
If you are renting in the US Purchase the Liability coverage from the rental car company.
The cost of the annual fee for the credit card may be up to $150 for the year depending on your bank but it will be cheaper then the daily insurance charge.
Be sure to read the Rental Car coverages conditions if you do go this route. RBC has the terms and conditions on thier website. Check for any territory limitations.
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