$226/ month damn thats a bit much, I doubt your dad put it for PIP (personal injury protection), thats the "Basic" the $226 is probably the startup, so your probably really paying $133 a month depending on your record sounds about right, I pay about half that with Del-Toro, but then again i'm 24 awaiting 25 when the rates go down. I've learned the best way is having the paperwork done, your gonna be glad you have your shyt legal the second you get pulled over for something stupid and the cop "Just" gives you a fine for w.e it is and doesnt toss you in the back of his car. Good luck peoples be safe and "try" to be smart.