I didn't check your link, but one year I thought I'd found a stunning rate (I found a code for veterans or somesuch). On further investigatoin, it included no insurance included at all, as it was for US insurance holders only.
For us Brits, there seem to be all kinds of insruance options which we are encouraged to take out, over and above the standard - SLI, CDW etc.
Still, I'll check it out when I have time!