You've got it all in the replies

Get an all in price, tax, ,liability etc
Your cc probably covers collision [except as Pat noted]
Liability is an extra - prices will vary hence the all in quote
Over time loyalty generally pays off in your pricing

We prefer to cab to our final destination and get a car the next day - works for us as we generally clear luggage after 5 pm and would rather be on our way [ t oFr side]and worry about the car and driving until the next day – however Simpson Bay is close, so maybe we might consider driving in that case, but when we stayed at La Plage [Maho] we still got a cab and got the car the next morning

All have their faves – we like AAA, but to each their own

J&B