Does anyone know if you can fold the back seats down in order to fit skiis in the standard type car, which lists as Chevy Malibu?

Also is insurance part of the quote? If so then Hertz appears cheaper than Dollar. ^

I did book a car with Dollar first as the rate seemed good, but this is without insurance I notice on the confirmation. They want an additional $25-29 per day for the insurance. 1 week rental, so adds another $190 for a total of $440, making Hertz better value, if insurance is included.

Thanks

Petrus