I pay $76/month for my 95 SE 2.5L 5spd (just over $900/yr). If you give your insurance company your VIN when they ask for it, that lets them know the color of your car right there if they wanted it. My contour is red, but I don't think my insurance is high at all, especially being 19. Clean driving record, although I almost got points when I got pulled over a month ago in TN. 83 in 70, driving school saved my day. Wonder how high it will be when I get a GTP. 240hp 280 ft/lb tq. stock should make it go up a little.