Progressive was $180/mo! no way to that!
but, i went back to Geico's site and clicked off the minimum for everything and if it allowed me to decline, i did. so now my quote is down to $94/mo, which is doable, since my gym membership is around the same and i dont even use it. sigh.
but i dont know if that was the best thing to do - i was told that all i'd really need is liability (not by Geico but from asking around).
so