Well.. i was getting ready to put my 92' ford aerostar out of its misery.. Im 20 and i make around $300 a week. More then most of my friends my age. I have been spending around $200 a month on repairs and decided that it was silly when i could just go out and by a new used car for only a few bucks more a month.. man was i wrong. I was looking at gm buy power.com and found a good price on a 02' monte carlo, $12,000. I estimated payments around $300 a month. I can swing that without too much trouble. I figured i would call my insurance agent and get a quote. I knew my insurance would be higher because i would need collision, but i thought with all of the safty features this car had that my 92' ford didnt, it would kind of balance out. I have 3+ years of driving experience with no accidents, and no tickets.. My insurance would be nearly 3X what i am paying now (its already extremely high). insurance for Jim C on an 02 Monte Carlo, $4,361 a year. Looks like im driving this aerostar untill the wheels fall off. btw.. i live in Buffalo, this Aerostar is not pretty, its sporting more rust then paint. oh well..