yeah insurance is in my name as well, i started off with third party fire and theft $649 for a lighlty modifyied ( pod, exhaust etc ), wish i hada gone comp but coz like ive mentioned a few times before on here, lady hit me yada yada, but im upgrading to comp, and its gonna cost me $2,500, the way i see it.... thats worth it, coz it cost me 5 gran 2 fix the cars damage, so $2,500 seems a logical choice if ( god forbid ) something happens to my car again