also remember that the insurance on your personal vehicle will cover the rental vehicle. so unless you've got liability only on your vehicle, buying their insurance is a waste of money. they'll try to sell you on it, but it isnt needed.
yeah, it may be, BUT it will be one big pain in the ass if/when you get in an accident in THEIR car. if you have their insurance, even if it is your fault, you're done. need another car, it's delivered to you.
this happened to us last fall, someone pulled out in front of the wife while she was driving a rental car. We DID NOT get their insurance. No it was not her fault, I had to pay our insurance deductible to replace the rental car with another, and guess who got the $9874 repair bill ? it was promptly sent to the other insurance company (by me) , and far as I know paid, but I got a few letters about it a week or so later demanding payment.
If the accident were to happen to have been our fault, our insurance company ( and pretty typical of most from what I understand ) will close the case until which time the car rental agency says " HEY, you owe us money " at which time the case is reopened and you have to go thru all the crap of who what and where again....
if we have to rent another car, we'll get the insurance, it's worth it to not have to deal with it.
can't say it doesn't happen, because it does, far more often than you think ! ( neither of us had been in an accident in over 18years, then she was involved in 2 in 2 weeks, one her fault, the other not )