If you have a full coverage on your car, you can opt  not to carry rental car insurance . It does not matter if you are renting a suv or a car. At the time of car pickup, just tell them you will be using your own insurance. Just call your insurance company beforehand to let them know you will be renting. And also like some people said, even some credit card comp  cover rental insurance, and you'll need to call your bank to confirm it.