sammi,
I did not book online in this instance and they did not take a credit card when I called the first time. They did give me a reservation number which I presented when I check out the car. You will need a credit card to rent for security reason. Many credit cards gold and higher will cover the deductable. You should check with your insurance carrier to ensure you are covered. The rental companies make a significant profit selling car insurance most of us don't need. They did not charge the card until I returned the car.
You will need to bring a copy of your car insurance policy or insurance card indicating the type of coverage. Since I live in N.J. our insurance cards only indidate we have coverage. It was not specific enough for L & M. Although I had the insurance paperwork with me they did not ask me for it.
The number for L & M is: 1-800-277-5171. Prior to calling I would check websites such as Orbitz et.al.,pertaining to their car rates. At least you will have something to compare and if it is higher you always ask them to match it. Sometimes they will and sometimes they won't. Let me know if you need any other info. Good luck!