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Car rental and buying gas in Germany

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My daughter and I are planning a trip to Germany in September, and will be renting a car. We need help with a few questions.

- In another topic, I learned about the 19% surcharge for renting cars at airports or train stations. We will be flying into Frankfurt then going to Wurzburg for our first night. Would it be better to pick up our car in Frankfurt, or take a train to Wurzburg and get the car in Wurzburg?

- If the answer is to get the car in Frankfurt, where can we pick it up to avoid the 19% surcharge?

- What is the best car rental company to use?

- We're planning to buy a card for our Garmin for Germany. Is that the best way to have access to a GPS?

- What is the best way to buy gas in Germany? I've heard that most gas stations in Europe require a credit card with chip & pin. I don't have one of those (are they even available in US?) so I suppose cash is the only remaining option?

Thanks as always for the invaluable advice you all provide.

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