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Car rental at MIA airport

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I am flying into Miami in a couple of weeks. In searching for car rental prices, I accidentally entered the wrong date and ended up finding out something that I wanted to verify with you guys:
On normal week days (not holidays, weekends, etc), it seems as though the longer you wait to rent, the cheaper the rates are. Is that generally true? I wouldn't be comfortable waiting more than 5 days until the trip, but on Feb 3rd I accidentally entered a rental date of something like the 6th and got very low prices on HOTWIRE. (Do you guys still like Hotwire?)
I realize I run the risk of not having a car by waiting, but in a place the size of Miami, surely if the airport rentals are out, I can go off-site (which is generally cheaper anyhow) and find something somewhere. Right? And like I mentioned, would like to have something rented by the 14th which is 6 days from when we leave.
There are only two of us traveling very light. The ultimate destination is the Upper Keys. We are not particular in what we want for a car, so I feel this leaves us open to be able to rent anything within the last week before flight.
What do you all think about this plan to wait to rent the car?

I also found out some things by reading here and THANK YOU, so I want to return the favor with what I have done already to prep for the rental.
1. I got the insurance thru American Express. Wonderful program. A flat fee for each TIME you rent, not each DAY you rent. For a 42 day period. I had it vetted by my insurance agent and he loved it. If you have any Am Ex card, you can enroll in it. Two different levels, the max is around $25 charged one time each time you rent the car. You have to use the Am Ex card to pay for the rental of course and that is what causes the Am Ex insurance to kick in each time you rent. Then it supposedly stops until your next rental.
2. Liability is covered under my own auto insurance / umbrella policy.
3. I am a member of Good Sam (similar to AAA) and added rental/loaner car roadside assistance for a nominal fee. I would imagine AAA would have the same thing available.
Thanks for any help again.

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