Same here, my Z and my wife's civic is about $1200 a year, no tickets since 2003, good credit, and I'm 29, so that brings it down some. If you have a lot of tickets and you're a young kid that could explain it. My little brother has had a few tickets, and just wrapped his Focus around a pole, and he's 17. He's paying about $4000 a year now lol.
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I am here:
http://maps.google.com/maps?ll=28.354359,-80.686425
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