Challenge is over last few years my cars have been hit multiple times by others - usually involving texting. With the influx of illegal aliens with no insurance on top of the youngsters texting - I need insurance.I got minimum coverage through Geico and they went up on me $20. It's been the cheapest but I've been told it's because they're bad about actually covering you. I don't really care, I only have insurance to keep myself legal. If it was up to me I wouldn't have it in the first place.