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Car rental in Cancun

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My husband & I are flying into Cancun in January, 2014, for a 10 day stay at a condo on the beach in Akumal. We plan on visiting various beaches and ruins along Riviera Maya so obviously we need a rental car for the duration.

I have been researching car rentals at various sites on the web and am overwhelmed with questions and concerns about rental agency reliability and what insurance I need. Most information is more than a year old and contradictory. I understand that even the best rental companies have their problems. That said, what car rental is recommended? Also I checked and our car insurance and credit card covers us in Mexico but say we should get the mandatory Mexico insurance - so what does THAT cover and what should I expect to pay? I have read that agencies include it in their fees, but then try and charge you for it anyway.

We have rented cars in Europe, Puerto Rico and the U.S. but I've never been so befuddled. Help!

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