I would rather pay the airport tax than having to go around with the luggage into a shuttle to go get the car to save a few bucks, personally I don't think it's worth it , you spend an hour just to get there, I like having my rental car counter in the terminal, DH goes to pick up the luggage and I go to pick up the car or viceversa. , I know that taxes are not cheap but I don't think they add up so much , in my case this time they only add up to $70 for the 15 days, we never take insurance because we have our own. If you do have full coverage for your personal vehicles, check with your carrier, most of them cover rental cars.