Hola! Last year in Utah we were OBLIGATED to pay for about $600 insurance claiming it was the law.... Is this the case in CO?
SLC Airport, Advantage IIRC.
So I'm usually a nervous wreck the whole time I am renting a car unless I've purchased trip insurance from a third party which includes coverage.
Which company? Tks.
BTW, just put a deposit down for a $590 rental with Dollar for 15 days which includes CDW, Theft, 3d Party and SLI, via VIP car rental. Same car directly from Dollar w/o insurance over $800!!
This February the Dollar counter in Spokane claimed the insurance was required to take the car into Canada. That night I called Dollar's corporate 800 number and found that was untrue.
The charge is still under dispute via Amex. I am a very heavy user of that credit card and I have a decade+ of car rental history with me consistently refusing the insurance.
I always bring a copy of my car insurance that explicitly states what my coverage is. I once got the whole story of paying for "loss of use", but it turns out I was covered for it. I'm also covered by my cc as well.
If you rent from an agency that is marketted towards business (hertz, national, avis), rather than their leisure or insurance subsidiaries; and if you sign up and register with them; then you get the minimum amount of hassle from the agent. You can get the arrive-and-drive and minimize your need to actually talk with a person. You're an experienced travller, and time is money and can't be bothered with this nonsense.
On the flip side, can be more expensive.
Remember though that there is a major difference dependent on whether you have a US vehicle insurance policy or not. Most US insurance policies provide liability coverage for rental cars. Non US policies do NOT normally provide this. Most states make liability coverage a requirement (and rightly so since you don't want to be taken out by a foreign driver only to find they have no liability insurance and they have left the country) so the rental car company will require it.
While a lot of US credit cards provide CDW coverage, it is not always the case for overseas credit cards. So, the rental car company will normally require proof that you have coverage and may often require an additional deposit/credit card charge up front towards this. Also note that while some CCs provide Primary CDW, others may only provide secondary CDW. If your card provides Primary CDW you will often find if you read the fine print that if you take the rental car company CDW it negates the CC coverage. Typically for those of us who travel frequently on business the rental car companies have all our details including insurance on file which means you just jump in the car and leave
It was always interesting when i lived in the UK that a lot of package holidays to the US included a "free" rental car. Then when people landed they found that they were out another $4-500 for insurance on the "free" rental.