I've never had problems 1-3 in Seattle. It's possible that Zipcar Toronto is particularly poor. That would be disappointing, but it does seem to vary by city.
Not sure what you're talking about with 4--when you go to reserve a car it shows the hourly and daily rates right there. The rates for Zipcar are higher than, say, Enterprise, but they do include fuel and insurance, and you don't have to go through all the paperwork every time you need to rent a car. The cars themselves are also of higher quality. I find that I save a lot of money using Zipcar instead of owning a car, and that it's far more convenient and readily available than traditional car rentals.
As for 5, you're all wrong: the built-in Zipcar insurance has a $750 deductible--you don't pay anything above that no matter what--and the $750 damage waiver covers the deductible. I never buy it since it's -EV and I can cover $750 in a pinch.
Not sure what you're talking about with 4--when you go to reserve a car it shows the hourly and daily rates right there. The rates for Zipcar are higher than, say, Enterprise, but they do include fuel and insurance, and you don't have to go through all the paperwork every time you need to rent a car. The cars themselves are also of higher quality. I find that I save a lot of money using Zipcar instead of owning a car, and that it's far more convenient and readily available than traditional car rentals.
As for 5, you're all wrong: the built-in Zipcar insurance has a $750 deductible--you don't pay anything above that no matter what--and the $750 damage waiver covers the deductible. I never buy it since it's -EV and I can cover $750 in a pinch.