Trying to button down our Hawaii trip in May; going to rent a van on Hawai'i for around 5 days and then on Oahu for 3-4 days.

Anyway, I know this has probably been covered ad nauseam, but do I take the rental company's insurance or not? I read that some credit cards have primary insurance, and that my regular auto policy covers some [my agent told me to take the rental's insurance], but what is the *best* way to handle this?

Note: In case it matters, between the wife & we're currently carrying: Citi Prestige, Citi Premier, Citi Diamond, Discover, Chase Ink+, Chase SW, and Chase IHG.]