I pay $315 a month.

yes, I am telling the truth.

yes, it is the cheapest possible way to insure my car. I have full coverage with $1000 deductables.

I'm 23 with 3 tickets.

Check out Progressive, and if you don't live in suburbia, find a friend who does and say the car is kept there. My insurance would be twice as much if they knew I lived in the city.