First, what on earth are you doing buying car insurance from a car dealer? Ever hear of calling around to car insurance companies, getting quotes and the best deal?
Well wait a minute....I think I know why. Here's you're direct quote, "its not my fault they couldn't finance me." So I ask, who's fault is it? Who was it who didn't pay their bills on time and ended up in subprime status?
Yes, it was the tooth fairy. He had a bad day and decided to get you.
SUBPRIME THINKING ALL THE WAY!!!!!