I got away with no insurance for 5 years, then had my first and only accident 30 days after getting my first policy. Lucky I guess? Hate to think of it that way. I totalled a great truck in that 5mph accident.

But all I can say is DAYUM! Your insurance is cheap as hell considering what you've been through. I pay liability on a 14 year old civic, and full coverage on an 11 year old eclipse, and my insurance is $220/mo where I live in VA. I've tried getting quotes elsewhere and everyone else charges even more. I'm 33 and have nothing on my record for the past 7 years. If I were you but I lived here in VA, I guess I'd be stuck taking the bus because of what insurance would cost me.

I should get a discount on the GSX because it's broken for at least half of every year.