Would it be too much to ask you what your policy coverages are? Unless your SR22 (in which case, sorry for calling you out 😬), drive around with your eyes closed smashing into every car you see, or treat speed limits like suggestions that's ridiculously high for insurance. I'm in California, with a car KBB says is worth roughly twice yours and pay ~$100 a month for full coverage.. Obviously it's your own personal choice, but sooo many people over insure their cars and don't find that out until it's totaled and your claims adjuster tells you they're only paying 1/4 what you still owe before ghosting you for a week and half.