I think it's the gas millage of the bigger car that is his issue with that. Also I could see a person in a big city happier in a small car for parking reasons.It would seem that he is paying the "optional" insurance on the rental. The optional insurance is that, optional. Your regular car insurance will cover you in a rental vehicle. I wouldn't complain with being offered rental that is far superior to my own car, but that's just me.