If you have your own insurance then yours is the primary coverage . If you have any doubts check with your insurance company to make sure you are covered .
Most insurances from out of the US do not cover a rental car damages or any liablility. Check with your insurance company if you have any questions and check with your credit card company to see if they offer any coverage.
Our rates for CDW or collision damage waiver is $10 per day and the RLI or renters liability insurance is $8 per day and the SLI or supplemental liability insurance is $8/day.
We do not try to 'persuade' you to buy the extra coverages like the major companies.
Minimum Liability Insurance is needed to drive legally.