Re: Tool to cut coupons quickly? I personally prefer scissors, although my hand does go numb when I get behind on clipping and then have a marathon cutting session. There's only 2 pairs of scissors in this house that are even comfortable enough for me to use for more than a snip or two at a time, so even trying out different scissors might yield better results for you.
Depending on how many inserts you get, there's lot of different options.
For one insert at a time - you could use an exacto knife (be careful those things are sharp!) or a rotary cutter (designed for quilting) or there's probably other kinds of cutters available in the scrapbooking section at the stores. There's also a little blady in the Plastic Canvas needlework section that might work - it's used to cut precisely on the plastic sheets.
I have a little photo cropper thing - looks like a mini paper cutter but instead of the blade being in the handle that comes down, it's a little razor blade that slides along a straight edge. I don't think you'd be able to cut more than one page at a time with that one.
Somewhere in my holiday wrapping paper, I have a battery powered cutting, but again, that only will cut one page at a time, and the silly thing vibrates so much from the cutting that my hand goes numb from that too.
It's a personal preference to find what works best for you.
ETA: I hopefully will soon have an additional cutting tool at my house. I've been letting my 5 year old practice his scissor skills on the junky coupons and he's getting pretty good, so it's just a matter of time before he graduates to the good ones!! 
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