Two things:
1) Getaround and Turo show up in plenty of small towns, include their own auto-insurance in their prices and don't require you to have your own personal insurance, outside of their service. The prices on both are better than traditional car rentals.
2) If you have to use a traditional car rental, you can save some money by having a credit card that covers you. I have a Chase Southwest Airlines CC that has secondary car insurance. However, if you don't have primary insurance, it moves to the front and covers you as if it was primary. This means, when you rent a car, you can avoid the collision/damage waivers. However, you still need to get the liability coverage.