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Of course it may not apply to NY, but here in NH they made the "18 month" insurance infinitely renewable. I have catastrophic insurance with a $2500 deductable and I pay less than $900 a year.
-Chris
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'80 911 Nogaro blue Phoenix!
'07 BMW 328i 245K miles!
http://members.rennlist.org/messinwith911s/
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