hey take it how yall want it, im just trying to help some people. at the minimum liablity for my cars, it was $911 for 6 months, with the higher coverage, 50/100/50, it was $830 for 6 months. it may be different with other people, but whats 5 minutes on the phone going to hurt. if you dont want to do it, dont, im not getting anything out of it.