Thanks everyone - I realize this was a common question and I did search (after I posted the question) on the forum as well. Your answers are all beneficial,
After much research, I am going to go with AutoEurope. I just got off the phone from them and they were very helpful in answering questions. One thing I did notice was I had the website pulled up while I was speaking with the agent, and she had a more expensive quote for me then what was on the web (about $30) - but she said she could match the web price.
Lastly, I am still unsure about coverage for "Personal Injury". My auto insurance (USAA) doesn't cover it in Italy, and the fine print of AutoEurope agreement says they cover "Liability for injuries or damages to persons outside the vehicle"; but "Personal Injury is not covered". I need to call my credit card company back and ask them about it to clarify,
We have rented cars in Europe before and honestly I don't think I put so much thought into it all as this - but I'm more cautious now and want to do the 'right thing' financially.
Betsy