urlabspass~ Head on over to the Trip Advisor Cabo forum. There's loads of posters there who will answer your question. Only a few people here on Fodor's expert on the Baja.

Maureen,
I've actually done a lot of research on rental cars in Cabo.
We definately want to have a car for the freedom it allows. There are several ways to go as far as the insurance is concerned. Many VISA holders have some coverage but you will still want to purchase 3rd party coverage in Mexico. The important thing if you want to use VISA coverage is to DECLINE the Collision Damage Vaiver and Loss Damage Waiver sections of the Mexican Insurance. If you want more information, call VISA. All this being said, we decided to rent from a local guy -- Dominic. There is another competing local car rental called Turimaz. Both meet you at the airport, provide ALL insurance and are competitively priced.
Dominic's number(toll free) is 949-338-8075. (He's quite a character!) Turimaz is 866-432-2902.
Good luck and btw Suze is right. Trip advisor has tons of info about Cabo. (Be sure to narrow your search to either Cabo San Lucas or San Jose.
Email me if you have any more questions.
Bob

Dominic seems to get consistently good comments over at TA.

Well here's my take- I usually go to Oaxaca and over the years it has gotten much better. I wouldn't have eaten a salad 15 years ago, but now I eat them with no problem. People either buy the stuff at the pharmacy "microdina" and put a couple of drops in the water they wash the veggies in or put in a tiny bit of bleach. Eat at any reputable restaurant and you will most likely be o.k.- they don't want you to get sick and prepare food accordingly.

Well guys I must say (suze) for your information look up the organic fruit and vegetables from Santiago a small town in Baja and you will find out that they export most of the organic fruit and vegetables that you buy in US... so before, assuming or giving an opinion let´s make some research let´s make these forums more reliable,most of the time people believe everything BAD they read...Here is my theory, bacteria at the temperature you find in Los Cabos, grows faster, yes..but some of you guys drink more than usual, and just the way mexicans cook their meals are different, let´s enjoy vacations without non-sense comments....