I ran a few dozen quotes past the Geico website. I could get cheaper insurance than my parents! Like $100 vs the $140 they just had updated. Kentucky has a screwed up system that bases many things on your credit score including your insurance rates. And mostly due to only one pastdue medical bill that was for the physical for college that was not paid by insurance and my current student loans I have a decent credit ratings or something. I could get a step above basic PLPD for $45 a month without comp/coll on a '96 Mustang(just as a test vehicle). It's probably low balling but that's almost half what I was looking at a year or two ago.
And 5 years clean record, nothing, nada, zilsch

.