avoid rental car insurance fees

How to avoid rental car insurance fees :  It makes me crazy whenever I rent a car, and the agent highly recommends I get the "collision damage waiver," or CDW. They tell me it's $15 to $25 per day.With rates like that every day, they must think I'm a drunk who always drives on the wrong side of the road. Have they even checked my driving record? So, I never get it. Why? Because my insurance agent