The problem with renting is if you damage the car, be it no fault of your own. For instance hail damage.
I rented a car from Enterprise in Colorado Springs and sure enough it hailed hard and that was in August 2015. I didn't take enterprise insurance and used my own.
My insurance is taking care of the claim but it can take up to 3-4 months before everything is finished.
Also, use a credit card, not a debit card, when you rent the car. That way the credit card renters insurance will cover anything your insurance doesn't, up to $50,000.