MS3 insurance question

I pay $1300 per year with progressive or about $115/month with good coverage. The only ticket on my record just dropped off 3 months ago, and was then quickly replaced by another one.... oops!

You want to keep your insurance down, dont hit things and buy a radar detector.
 
21, single, no accidents nor tickets - $3240 a year! (1/2 a million dollar umbrella policy :()
 

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