You've probably been there before. You're standing at the car rental counter, and the agent is trying to terrify you into purchasing an insurance package that totals more than the rental itself. After all, they're not getting rich off that super $10 a day deal that you snagged through AutoSlash!
Before you dismiss the pitch with a wave though, and initial eight times in the 'DECLINE' section of rental agreement, there are some things you probably should consider to ensure sure you're adequately protected in the event of an accident. Here's a quick guide to covering your bases when renting in the US (policies outside the US vary greatly).