I'm 20, and came from a 95 Civic. I picked up Comp/Collision and moved my deductibles from $500 to $1000, and my insurance went down about $40/6months. My mom wants me to have crazy high insurance limits for medical payments, so with good student and everything mine is ~$200/month in FL.
Tank...
Long story short: Following Fed Ex truck on the interstate, he blew a tire, I ran over tire.
Fed Ex was easy to deal with, it was the repair centers that were a pain. All of the estimates came in just under my deductible too (have it @$1000) I told each place to pull the price of the MS3...
When we took my old car to the guy that bought it, my mom drove my MS3 while I drove my old Civic.
My mom does NOT speed, and she was doing 60+ in a 45... and about wrecked my brand new car about 3 times. She has not driven it since.