Check the thread right below this one, Do it Yourself Printing. I posted some images (albeit poor lighting) of the inserts I've printed. If you need better pics let me know, setting up a light table wouldn't take to long.
I went to Kinko's once to print out inserts, and I don't want to go back. It was the same type of stuff that happened when I was a design student. Your always supposed to embed an ICC profile in print work, and the first thing Kinko's does is throw it away because you're not a "real" designer. If a customer embeds an ICC profile, the least they can do is properly match it to their printers...
In the end the prints from Kinko's end up pretty darn good, but when I take it back and look at it on my screen they're just so different in some color patterns (mainly greens and reds) because they aren't accurately transitioning the ICC color space.
Enough of a rant on Kinko's

Personally I've liked that ability to print out my own inserts and the quality is near, or better than Kinko's in most circumstances.