Do you have the option of tailoring your insurance coverage since you were able to buy your vehicle out right?
I'm currently getting raped for a car that is worth less in value than the actual insurance costs for the year ($2460).
I only paid $700 cash for the car....lol.
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I did not buy my vehicle out, I got paid a contractual fixed price (1% decrease in value/month, in my case 36% decrease of MSRP). Go maybe get a new insurance? :p