Originally Posted by
jpdx
This is how prices are quoted if you select Germany as your country of residence. It is possible that Americans get quoted a lower base price, but that insurance is extra.
The Volkswagen quoted to me just a minute ago did include LDW (including theft, accidents, etc.) with an €950 deductible, which could be reduced to €350 for €9.50 per day, and to €0 for €17.50 per day. I would think that your Amex would cover this deductible if you declined the extra coverage.
As I understand it, European car rentals include pretty comprehensive liability insurance. It is mandatory and included in the quoted price. That doesn't mean that the rental company won't try to sell you a lot of worthless add-ons.
I usually end up renting through an agent, which, at least for France, is cheaper and provides additional benefits. I just used
http://www.rentalcargroup.com/ to rent a car in the South of France, and, although I didn't use any of it, their rental (which ended up being via National/Alamo) included a variety of extra insurance and was lots cheaper than renting directly from the National or Hertz, etc.
It is prudent to reserve in advance. Walk up rates in Europe are way out of line.