Most credit cards will cover the Collision insurance and not the Liability which I highly recommend. Check with your card issuing bank to see what they cover. Look for a rental company like Hertz SXM that includes the liability in their quote. It's stated as free Liability on the Hertz web site and is included in the quoted price. Others may offer Liability insurance as an after the fact add on. Who ever you rent from compare the total price with liability included.