You are not required to purchase insurance from the rental car company – but you do need coverage. Know before you go: check your current vehicle policy for rental car coverage.
If you decide not to get the insurance now but change your mind when picking up the car, rental car agents will assist you with their coverage plans upon pick-up. This might be more expensive, but you don’t want to be driving around without coverage. If your personal policy covers you, the individual rental car company may ask to see proof.