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any tips for renting a car (in France)?

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We will probably need a rental car in France, looking pick up the car in Paris and drive to Loire Valley and MSM and return the car either to Paris or some a city on the way back. We are not ruling out the possibility to rent the car in Zurich and drop in Paris. Could anyone share your experiences or any tips, especially regarding the insurance? In Australia and New Zealand, you only need to pay the excess fee (which can be waived by extra travelling insurance or your credit card insurance). However as a tourist in the States, we spent quite a while to figure out what types of car insurance we should purchase.Thanks in advance.

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