How many times have you been in crash? And if not at all or rarely then why do you believe you’ll be in a crash the next time you rent a vehicle?
The way I think about it, if you rent a vehicle frequently or for long enough, you’re saving money after about 10-20 days of rentals. The exact number of days depends on the cost of the insurance waiver and excess fee for the rental company you use. So if you use a rental for longer than this number of days, then even if you write off the vehicle and pay the full excess, you will still have more money in your pocket than if you paid the waiver every time.
The key to success is having a keen eye when checking out the car and getting them to put down every mark - even if you have to be a little pushy to get them to do it. Obviously, don’t be a wreck less driver. And you should be golden.