I gave low quote on my insurance, because it is a fraud. imbeing charged as as uninsured, because of when i was a company driver, i didnt have a car, therefore no insurance policy in my name. i was insured, but through the company, so im paying exorbitant rates. The 20 mpg rate is just an average and quite accurate for full size sedans, which lmpd cars are. I would assume your tags are less because of it being an older smaller car, and my comparison was based upon cars of equal size/attributes.