So I have come to understand US car rental is different from NZ/AUS in that your insurance is either none at all, or you take out a loss damage waiver at exorbitant rates.

I am wanting to hire a specific car (Dodge Challenger) and there is only one company (Enterprise) which does it, but their quote excludes LDW and it says I will be offered it at the counter (for a rate of between US$10 and US$29.99 per day) on the day of pick up. Not knowing exactly how much it will be up front is doing my head in.

Is anyone familiar with www.insuremyrentalcar.com ? They provide a LDW of up to US$50,000 for the whole period of my rental for just $36 (US dollars I assume). Is this sort of protection going to be enough?

I have comprehensive travel cover though my ANZ patinum credit card, so I am not too concerned about personal liability etc.

I'd be grateful to hear from any GZers who have hired cars in the uS before, specifically any who have successfully got around the rental companies' LDW fees.