I have seen multiple people say they sign up for the clubs then bypass the car rental counter. How does that work with the insurance? I buy insurance in canada for much cheaper than you can there and it covers us for everything. Do these kiosks let you bypass the insurance that they "tack on" so that you don't have to pay for it? We have only rented a car one time and went up to the counter, the dude argued with us over and over but i stood my ground and refused to be bulldozed and eventually he backed down but i did have to show him my insurance contract. Took almost 20 minutes of arguing and i want to avoid that this time if i can.