The car is financed and I kept the full coverage for the fist year but then after year 2 I decided to water down the coverage to the lowest premium available for 55 per month.

The dealership still thinks I have full coverage but I switched my insurance behind their backs. Of course now if I ever got in an accident I would be in hot water, It was maybe a little reckless decision. Also canceled my home insurance also and if anything happens I am completely on my own

So no more blowing thru the yellow lights at the intersection, cant afford that kind of risk.