Yea online insurance does give you high quotes. What I would do is.. If your parents have insurance go through there insurance because you can get a discount for having mulitple car insurance in one home. But I would also sit down one day open the phone book and start calling insurance places for quotes. its FREE so why not? I would just shop around and see what you all can get. I had to call about 20+ insurance companies before I found my insurance company and they charge pretty decent 644 every 6months full coverage. Im pretty sure they are located in almost every state to. they are called MSI insurance. But yea best bet is to just call around insurance companies and get quotes, because everyone's insurance is diff. My friend has a 94 integra LS almost same record as me and he pays like 900 some every 6months. So its kinda hard to get ideas by other peoples insurance prices