I'll admit that i'm really, really jealous of you guys. Living in Miami automatically sends your insurance through the roof. I pay $362/mo with State Farm (My old mazda3 was only about $40 cheaper each month), and that was about $50 less than their competitors. I had an accident 2 years ago, but even without the accident I would still only save about $60/mo. WHY DOES MIAMI SUCK SO MUCH??