ive used budget plenty of times as well, i usually deny the extra insurance as a scam for any rental with any company, probably different in Europe I guess. My personal car insurance will cover rental cars. usually I end up renting cheapest/most economical, and that ends up being a tinny kia rio, or tinny hyundai elantra.
Whats interesting about this, is that you usually never get to reserve a specific model, and none of them very fun, unless you are in a specific destination where you can rent a wrangler with a beach sticker ect.
Its always such and such car, or similar. Half the time, I get the "or similar".