and let me tell you it blows b/c that is more than the car payment for either! Bad part is I'm about to buy an '04 Ranger, and of course full coverage, so I'm gonna have to drop to liability on my N/A b/c I'm basically wasting a lot of money as it is. It sure is a good thing I like my vehicles as much as i do...I don't know if thats a good or bad thing. Fortunately my record is clean ticket and wreck wise, as I know of friends who are 22 also and are paying $300+ a month one a single vehicle due to totalling a vehicle previously. Ugh.