CDW fees add up crazy fast. What worked for me was getting a travel credit card that includes CDW insurance (I use the Chase Sapphire Preferred), and just making sure to decline the rental company’s coverage when I book. But you definitely have to read the fine print and make sure it covers luxury or exotic vehicles if you're renting those.
I’ve used a rental from this service in NYC where the rates felt fair even when factoring in coverage. They’ve got a good setup where I didn’t run into any surprise fees. You can check it out here: https://realcar.nyc/.
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