I've been paying $130 a month for insurance ever since i started driving...this is gettin outrageous..no matter where i go its still about the same..What Gives? I have no tickets/no accidents I should have a cheap payment right?

 

how old are you?

 

19 got my license when i was 18...so a lil over a year....my insurance is 50/50/100...so its a lil higher than PLPD for my state. But still its only a couple dollars less if i take it down to state minimum

 

you've only had your license for a year and you are expecting your insurance to drop? ive had mine for 6 years and im not expecting shit. i think you gotta wait till you're 24? 23?

 

what car?

that sounds about right for only having your license 1 year.

 

insurance drop at 25. It really doesnt seem to matter what you do before that. and honestly, that is not that high for someone of your age and driving experience

 

It depends on where you live, how old you are, and what kind of car you drive. When I turned 21 mine dropped a few bucks. I was paying about $90/month on my 2000 Integra LS with full coverage. Maybe if you bumped up your Deductibles it would drop your insurance down some.

 

I have a 1992 Honda Prelude SI....I have no deductibles on my car since its only PLPD...I dont wanna put full coverage on it since its a 92 and if i do my insurance will jump to like 280 a month...Damn if i have to wait til im 24 or 25...thats gonna suck...I told my dad i needed a license at 16 but never got around too it until i graduated from HS.

 

then think of all the money you saved for those 2 years

 

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.