Just had another look at these rate:

Rate 1 Includes: Loss Damage Waiver, Taxes, Airport concession fee recovery, Vehicle Licensing Cost Recovery, Customer Facility Charge:, California Tourism Commission Assessment

Rate 2 Includes: Loss Damage Waiver, Taxes, Airport concession fee recovery,
Vehicle Licensing Cost Recovery, Customer Facility Charge, California Tourism Commission Assessment, Liability Insurance Supplement, Energy Surcharge

The 2 in bold are the two differences.

It is a really confusing move they should just have tick boxes later in the booking to select or decline insurances.

I am happy that the Loss Damage Waiver is included in all bookings now, makes it easier for customers that don't take it and then get caught out with the cost of replacing the whole car instead of just an excess!