1969 Plymouth Roadrunner Color Commercial.
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I went to my insurance agent and filled out the declination form two weeks ago, took all of five minutes and saves about $30 a year. They literally have stacks of the form at the clerks desk. If your unmarried it's worthwhile to do.
Automobiles in rural areas tend to be significantly older then urban areas, especially around New York City.
Data Source: NYS Department of Motor Vehicles, Registration File, Median Vehicle Year by Zip Code (All vehicles; this includes snowmobiles and ATVs).