Why can I obtain a life insurance?

A rental car was reserved by me in California. The price was not $9.99/ night because of a weekend package. When I tested in at the table the agent told me that I needed to either present proof FULL-COVERAGE insurance or acquire their insurance (which would boost my daily charge from $9.99 to $40)!! They would not let me rentacar”I’ll pay but is it centered on her income? Im looking to purchase anywhere from $ 100″I am buying a superior”I’m 18. and I recently got my license. and I’ve a 2001 Hyndai. I live if Fort Myers FL