oi suntali ko poi.....ke ho taile ta US celebrity haru ko jastai insurance lya chhas ki kya ho? khutta ko chhuttai,,haat ko chhuttai,,balls ko chhuttai.....we paid 225 per for whole of our college life dude, and you are talking about 4000....ke ho yaar? search for offcampus companies that your college has qualified, they offer really low rate.