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Some great comments on here already but in my view, as an insurance professional who has a CSR and many cards that provide basic car rental primary or secondary coverage, you should just take the rental car coverage and pay for it.
It’s peace of mind in a place where accidents and theft are common.
Sure it costs more but having less worry can make the trip so much better.
Driving in Cancun or Cozumel isn’t that bad and gives you a lot more flexibility.