I own a 90 TT and a 98 Sentra SE (SR20) and I have them both fully insured with $250 deductable on collision, no deductable on comp, rental coverage, uninsured motorist, the works, and on top of it all I'm 20 on my own policy, none of those nice parental breaks some people get (must be nice) and I pay a little under $200 a month. Who is your insurance company??? I have State Farm