Ace Rent A Car

I rented a car from Ace for July 8, 2023. Pick up time was noon. I was told the rate was $59.01 for 3 days. I called back to verify the address since 2 were listed. On the phone they told me to go earlier because the closed at noon. A friend dropped me off around 9:30 am. I was told they don't close at noon. I offered to wait until noon. They said they had a car ready. I have liability insurance and also insurance from my credit card. I was told I had to have their insurance. I was not given the option to decline their insurance. They charged me $185.80 for insurance. I was having a headache at the time and didn't pay attention to the total amount. I was out of the office at 10 am and told them I would be back on Tuesday at 10, making it 3 days. I was told I couldn't bring it back until noon and it would be 4 days. Total was $264.01.