Hmmm I will have to talk to my dad about it... He told me that I wasn't covered by his insurance... I don't know why the deductible is so low on this car...hell insurance is only $65 a month... Can't get much cheaper than that... But again, that's whith the car under my dads name...For me lowest quote I have got so far is about $920 every 6 months... or about $190 a month...