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Car Rental Insurance Minefield for UK Citizen

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Hi,
I’ve taken FAR TOO LONG obtaining quotes.
I’m the sort of guy who likes to play safe by obtaining just about all the insurance that’s available but don’t want to then be told I need even further insurance at that ruddy rental counter!
Am I correct with this theory in getting the ‘best’ deal?:
1. buy as much insurance as possible from the renter’s/comparison website before I leave UK.
2. copy the insurance ‘small print’,
3. read and ‘digest’ it as much as possible,
4. take a copy with me so when offered the inevitable at the rental desk I know where I stand, declining the offer of further insurance if already covered, (or accepting if not already paid for in UK)

OR, Is there a simpler, but not ridiculously more expensive way?
Any idea which sites quote all or most insurance?

Cheers
(Boston to Boston 10 Days)
(Charlotte NC to Atlanta 6 Days)
All airport locations and I realise there will be a hefty drop-off fee for the 6 dayer.

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