Most of us have used the same rental car company for a number of years. Usually, that means we trust the people that run the company and have had good customer service when we needed it.
The variables that effect the quoted price are:
Time of year, High Season and Low Season
Size of car, sub compact, compact etc.
Number of drivers
Taxes
Misc. fees and surcharges like the one your mentioned
Insurance, Yes you will want to confirm that your credit card covers collision (damage to rental car), and liability insurance that can range from $5/day to $11/day
Loyalty discounts
Some people have regretted not getting TOTAL quotes or checking with TTOL sponsors and getting unpleasantly surprised when they turned in the car before going home.