If you have your own auto insurance with good coverages, then don't get the rental insurance. Your own auto insurance covers you in a rental car, and you will always pay a deductible if you get into an accident whether or not it's your fault (unless you have purchased a waiver of some kind for your policy.)
The algorithm used to calculate your auto insurance premium varies from one insurance company to the other. Which insurer ultimately offers you the best policy price will depend on dozens of different variables. You would need to do your homework, make some calls, and periodically make even more calls.
These factors mentioned below are basically out of your control. Is there something we can do about them to lower your auto insurance premiums? It definitely pays to know what variables insurance companies are looking at when calculating your risk.
