Seems like there is a pattern. I checked into Phoenix airport Payless late on 28 Feb 2018 and I told them I did not needed any extra insurance and started to sign away on the paperwork. I guess it is shame on me because the corporate office said I signed and they will not refund me on the extra insurance. Of course they picked the most expensive insurance. All I can say is to take your time and ask why the price does not match.