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Yeah, it's not going to drop until your 25. You can wait or do what I did and decide to go the collector route. Depending on whether you have another car to use as a daily driver, some collector ins companies consider 4th gens "exotic," like Ferrari's, Vipers, etc. I pay only $500...not a month, a year! But again, you need to have another car that's insured with a different company to do it. Only downside is you can't drive it as often.
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John
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