Because of uninsured/underinsured drivers in my city insurance is one of the highest in the country. $250/mo is the avg quote I got. That's down from $280/mo af

Because of uninsured/underinsured drivers in my city insurance is one of the highest in the country. $250/mo is the avg quote I got. That's down from $280/mo after the first year because I haven't had insurance for years. The only cars I see in that 500-1k range have basically been worn to pieces, smell of cigarettes, smell of mildew, or the suspension is completely bottomed out.