I FREAKING GOT IT..

Um..i got the solution.
TO ur insurance problem.

GO- Well move to NY temporaryly.. cuz you are guaranteed to get insurance there.
and just make sure if you move.. that you'd be able to take ur policy with you.
Pay the crappy premiums, and move back.

I don't think this is insurance fraud.

If it is, just delete it,and forget i said anything ;)

For YOu

I'm looking for Auto Insurance, and saw this.... please check it out
https://www.quotesauction.com/Thank_You.asp?q=am