Budget will still try to sell you insurance, although I didn't quite understand what kind of insurance they were trying to push. They will tell you that most Chinese people don't have it and that you should buy it. They repeat themselves and make it sound serious, but you can politely refuse. As long as you purchased the corresponding insurance from the rental website, it's fine. I arrived an hour early, and my car wasn't available yet. They suggested an upgrade, which I refused. However, the car was ready in about ten minutes.