I'm an American citizen, but I live in Germany and do not own a car (and thus do not own a car insurance policy). I'm going back to the US over Christmas and want to rent a car, but I don't want to pay the daily rate on liability insurance offered by the rental agencies. Do I have any options for a short-term (1 or 2 months) policy from a big broker like Geico or Progressive?
I would talk to your credit card company. That is probably your best bet. Alternatively, you could have a friend rent and drive the rental car while you use their personal vehicle as many times standard auto insurance would cover you as a guest driver on the personal car and your friend in the rental car. But, that's a lot to ask of a friend.