i was paying 308 a month for NYS minimum coverage on my sentra alone…and i was talking to my agent at the time and asked him who it was so high on such a POS…he said rates are calculated not only on driving history but on how many claims are filed for that type of car as well…and i asked him about the cobalt and he has seen many claims for them…so i figured it was a no go…i actually had different quotes made up for different cars when i was looking for one and found out a 97 trans am ws6 and an evo (VIII) would have been cheaper than my sentra a month…