Autoeurope is THE way to go. I did a lot of research on this just recently and found they had best rates and easiest policies. As to your insurance needs call your broker at home and see what is covered by them , then call your credit card company(s) and see what they offer. We use our AMEX card and it covers all with a zero deductible. We got a letter from them stating this and bring it to the rental counter when we rent.

Happy Trails, David