Insurance is outrageous. My husband wrecked our car in November 2001, had we been able to get another vehicle and transfer the insurance it would have only been $154.00 / month. Less than we were paying before the accident! Since we had no other vehicle to transfer it to and it lapsed for 2 months they started us as 2 brand new drivers with an accident to our credit and we ended up paying $310.00 / month instead. This year they wanted to rais it another $60.00 so we transfered companies since we found out that although we were supposed to have a million liability they had only given us $200,000.00. So now we have a million liability pay 350/mth we are married and both over 25yrs. Grrrrrrrr, I hate insurance companies.