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are you added under your parents coverage or are you paying seppartly from them entirly?
im 21 and ive never had an accident or a ticket, and there was about 100 dollars differnt, so im gunna say he is on his parents with only 20 differnt.
If not, what insurance company are you with, and Ill give my v6 to the GF and pick up a V8 tomorrow.
Also in Kansas, depending on what part, there isnt anything you can really run into, other than the occasion cow.... like on my Grandparents farm in Westmorland, you have more of an issue with cows than people.