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Optional rental insurance may seem like an option you feel you will not need. In a lot of cases this may be the best option for you if renting a vehicle for less than a week. But, consider that if you choose not to accept and pay for the optional rental insurance and you are found at fault in an accident you will have to pay your deductible on your insurance. Most people have high deductible ($500.00). When you purchase the rental insurance which ranges from $30.00 - 50.00 and that is all you pay if involved in an accident.