[Fozzi58]

Insurance sucks...but it sucks really bad in NJ.

Here's the skinny. You are going to get hosed on insurance your first year - girl or not. Just get liability on the car, if they ask engine size, tell them stock, 305. Since your not getting any collision or comprehensive, you are taking a total loss on your car if something BAD happens. Since its an older car, it should be cheaper. Figure around 1500 a year, but you need to call. I don't think you need to go to all these insurance companies in person. Besides, these are mostly brokerage firms...you're actually not walking into the State Farm office or Geico's HQ. Get online and google insurance quotes in NJ. I previously used the Bogle Agency in Lyndhurst. They deal with 2 or three insurance companies. You can use someone in your area. You're probably going to get stuck with some reinsurance co anyway cause you're a "high risk". As for prices, don't feel bad. My TA was an ADDITIONAL $2000 per year...I am paying $2400 for 2 cars already, own a home AND have no points...and I still got lubed and bent over!!!!