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Submission + - SPAM: Purchase Optional Insurance When Renting a Car?

An anonymous reader writes: I'm vacationing for 8 days in Colorado early next month and I need to rent a car. Since I don't have much car rental experience, the various insurance options available to me can be quite daunting. The obvious option is to buy the rental agency's Collision Damage Waiver (CDW) or similar, but at $28 per day from Avis that will add a steep $224 to the cost of my 8-day rental. I don't have collision and comprehensive through my personal auto insurance, so I've been looking primarily at coverage through my various credit cards. The American Express Premium Car Rental Protection is enticing, but there are fees which may not be covered. When renting a car, how do Slashdot readers handle insurance?

"There are things that are so serious that you can only joke about them" - Heisenberg