The BIG question is....what coverages do you have??? That has ALOT to do with what you pay for insurance. I pay $34mo for liabilty (required). That's $50/100/50k. I could pay less, for less coverage, but I don't want to get sued for not enough coverage.
I'd say you folks with very low rates are not fully covering your car. Plus, you aren't in the insane economy of beautiful Californ-i-a.
In North Carolina, same coverage, same car, same company was 1/2 of Calif. rates. And mine is lower here in the desert than it would be in the city, like L.A. or S.F.
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