<prompt> Human: I was paying 120 a month. It is now 271 a month. I am 23 with one ticket on my record. I dont know if should start shopping around or what to do. My car is a 2013 elantra. The reason for the increase is due to a review of the cars history and young driver it goes on to say that several of these car have been totaled since their debut a year ago. My car payment is only 230 so this seems absurd. Assistant: Thats pretty high, even for your age. Shop around. You should be able to find cheaper, but it seems like you may have really lucked out with only paying 120 a month to start off with especially with a 2013 car. Also dont compare your car insurance payment to your monthly car payment. Theyre two totally different things and have very little connection.Human: I have to agree I may have lucked up on the 120, but I disagree that I shouldnt compare my loan payment to my insurance payment. It makes no sense to pay more for what if I wreck my car then the actual car cost.  <response>: The actual value of the car matters, the monthly car payment involves so many other factors though. 