I pay about $4,500 per year for auto insurance.

The facts:
Age: 22
Sex: Male
State: NY
Cars: 2
Car1: Saab 9-3 Viggen with good coverage
Car2: Isuzu Trooper with bare-minumum coverage
Points on license: None
Moving Violations: None on current record
Non-moving Violations: 1 (seatbelt)
Accidents on current record: None
10% Insurance reduction course: Taken 5 months ago (I used to pay nearly $6,000)

Insurance sucks.