my car insurance covers rentals in US and Mexico - but not jamaica.. i dont have a card with coverage unfortunately.. yes - the insurance is very nearly as much as the rental.. however - when i figure what spent on transportation alone last month on my solo trip - this is barely gonna be more - and i will have my kids this time - so i expected a little more.. i can rent from island for 8 nights with nil liability for right at $500... if we go to mayfield, maybe roaring river - sav la mar - montego bay for shopping - i know it will be worth it..