when i was shopping for my first car, i called an insurance broker she gave me a quote at $3600/year for a 96 Civic 4 drs, after a while i heard the insurace went up by 30%, then i called again, she told me 4000 something a year now....i was like wtf....then i found out about TDMM, which is around 2400/ year......... btw, that's when i was <25yrs and with G2