Just got back from Vegas and I used Payless. I am not a stranger to Payless and know all of their tricks. I paid $68 total from Sunday to Thursday. Nobody else could come close to that rate. The hard sell on the insurance is mainly that you have to pay for every day the car is out of service being repaired. Your private insurance won't pay for that. I tell them that my credit card pays for anything my insurance won't cover. They say it won't be covered. The bottom line is they try to scare the shit out of you. You are on vacation and don't want this hanging over your head. I have heard that if no other cars are available for rent in their fleet, then you have to pay for loss of time if the car is being repaired. We really don't know how it would play out until we get into an accident. Is the $25 a day for insurance worth the peace of mind? It would cost me more for the insurance than to rent the car. Do I want the hassle of filing claims with my insurance company and credit card company? If I rent a car 4 or 5 times a year it will cost me 4 or 5 hundred bucks. I have a $250 deductible. Are you going to have a few drinks and drive? All of this has to come into play. This time around I didn't get the insurance, and turned the car in accident free. Occasionally I do get the coverage because driving in Vegas can be brutal. The other thing you have to watch for is they now like to tack on a Road Assistance fee of $5 a day. It covers if you lock keys in the car or lose the keys and flat tires. They have a $75 charge for a flat tire. They say it's mandatory, but I told them it's an option and I don't want it. They redo the contract and take it off. By the time the smoke clears and I get the contract for the correct price, I walk away feeling naked. I have no coverage and I have to drive like a Saint. You get the idea. The good news is they now have a preferred customer program. This is not the same as the Perks Club. I qualified for this and should receive something in the mail or e-mail which will let me bypass the counter. The sign was posted at the entrance which stated preferred customers go right down stairs for your car. This will be a good thing.