re: Rental cars - do you ever purchase the additional insurance package?

If you are in the states, your normal car insurance covers all you need. If you want to buy it as a rider, it would be completely an add on. I'm not sure what would happen in an accident though, as in which insurance would pay first?

Most importantly though, just get a CC that covers rental car insurance. This is all I do even in other countries. I feel no need to buy a ton of insurance.