Follow the money
I suppose this is valid at all rental co's, but I noticed a chart showing the goals for upsells including paid upgrades, gps, insurance once on a wall in local Budget office when the employee door was open. An agent once told me in ORD they make up to 50K selling those suggested upgrades/insurance. Me thinks it would be a good idea to have your local insurance agent highlight on your personal policy that you are covered when you rent vehicles and what the limits are and keep a copy of that when you rent.