I generally just buy the (required) liability insurance, and have never had a "problem" with returning a damaged car.
The problem I have is getting the desk agent at SIXT to help me decline all the additional coverages. Sometimes that is made a little easier if you book online, in advance, and show your Total Due from the SIXT website.
I also use and love Crazy Cactus, but they won't come pick you up at the airport. Which means you get to pay for both the taxi ride AND the car rental.
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