<prompt> Human: Im 20 years old and paying 405 a month for car insurance after going from 4 points to 10 in one insurance renewal period. I obviously made a mistake but whats done is done and I need any help I can get. I didnt realize how much of an effect this would have on my car insurance 8 times as much until it was too late. Im insured with progressive right now on my own policy. Is there anything I can do to lower my rates with progressive; my insurance agent assures me this is the best rate I can get, but Im reluctant to believe her.  <response>: What did you do so I dont 