Well my insurance works a lil differently. If you have no ticket record (which i do, had my one ticket dismissed), my insurance company gives you discounts at 19, 21 and the big discount at 24. I only got a discount at 19 because my license became 3 yrs old, had it since I was 16. The discount at 21 is only 500-600 dollars. Then at 24 it will be a lil more than 50% off. BY then I will be paying less than 800 a yr

 

Why is the S cheaper to insure than ITR? It doesn't make sense. The S is a sports car, more powerful, and considerably more expensive to buy.