What makes a HUGE difference is how old you are and how long you've had insurance. Is your insurance under your name?
With my '84 LX 20 years old (last year) insurance was $155 a month. After a year/when i turned 21 it went down to $108 a month. Now with my GT it's $120 a month. I don't even want to know how much my GT would have been had i just been looking for insurance when i got it. I go through progressive and they've been a great insurance provider for me. I have no tickets, but one at fault accident.
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2005 Suzuki Hayabusa GSX1300-R
1980 Ford Thunderbird - 255 V8
ported heads, 5.0L ported stock headers, O.R. H-pipe and Flowmaster 2-chambers, dual roller timing chain
hi-po Mack Truck hood emblem 
1985 Mustang GT 5.0L T5, F-303, GT40p, headers, off-road h, flowmasters, MSD stuff, etc.
Sold 02/06/04 
1989 Mustang GT ET: 13.304@102.29 mph (5-24-03)
Sold - 1998 Mustang Cobra coupe, 1/4 mile - street tires: 13.843@103.41 (bone stock)
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