Arizona Vacation Rentals When Renting A Car On A Vacation Should One Buy A Collision Damage Waiver?

When renting a car on a vacation should one buy a collision damage waiver? - arizona vacation rentals

My plan is to establish a long vacation in the week before the start (in Arizona) and plan to rent a car. Is this a good idea to purchase the collision damage waiver (adding about $ 20 - $ 25) per day, the cost of a rental car. I have an auto insurance that could cover me for damage, but of course, involves a complaint against my insurance cover my prices would be increased. Suggestions or advice?