you're a brand new driver. what do you expect??

the main factors that affect insurance premium are:
1. years of driving experience (more important than age)
2. coverage limits for liability (and comp/collision if you have full covg)
3. area you are rated in (your location)
4. your driving/accident record (the type of tickets and accidents matter)
5. annual mileage you drive

50/100/50 for liability is pretty normal coverage.. and like you said lowering the liability limits down to minimum isnt going to make much of a difference in terms of monthly payments.

youre only 19 and had a drivers license for one year. whos to say youre a more responsible/better driver than a 16yr old who just got their license?

maybe you do have a clean record.... thats not gonna help much at this point, since you SHOULD have a clean record at this point.