let `insert_record` actuall save the object.

`before_add` callbacks are fired before the record is saved on
`has_and_belongs_to_many` assocations *and* on `has_many :through`
associations.  Before this change, `before_add` callbacks would be fired
before the record was saved on `has_and_belongs_to_many` associations, but
*not* on `has_many :through` associations.

Fixes #14144