How old are you? I used to pay $100 mo. liability when I was 16 on an 82 Chrysler New Yorker and I had no accidents/tickets!

Of course my parents had 300/100 because it only cost them $25 month full coverage on each of their vehicles.
I was paying $100 month full coverage on same policy with the Contour "Sport". After I got married and turned 21 it dropped to $50 full coverage. Not bad.