<prompt> Human: So i looked through the PF wiki on car insurance and didnt really see anything that helped, so Im making a post to see if i can get any better answers.About a month ago i was involved in an accident that totaled my last vehicle, it was no longer operational and i had to get a new one. The prior vehicle was a 2001 and pretty cheap and i bought it outright about a year and a half ago. At that time i did not have a job, but now that i do i decided to get something a bit newer 2015. But now when i go to my auto insurance, USAA, and I go to update my insurance to replace the old car, since im taking a loan out for this new car it says im required for collision insurance which more then doubles my past insurance rate.Before i didnt have collision i had uninsured motorist and my monthly rate was 140, which i thought was still ridiculous for a car worth 1,700, i thought thats just what its like for a 20 year old out of school. But now that it says collision is required it has caused my monthly insurance rate to go to 296 mo. My car payment is only 232 a month for 6 years. This seems ridiculous now, and im wondering if there are any other ways i can get this lowered or something here.As i said, im only 20, Im also working full time making around 36,500 a year after taxes, and im in the Army Reserves. I figured USAA would be the best bet for military discounts, but they only save like 10-25 compared to getting online quotes from other auto insurance companies. The worst part is that due to my job I drive around 1,000 miles a week, literally just for work. Im not employed as a driver either, Im a technician, i have a 180 mile round trip commute daily and my job requires me to drive to different locations for service on top of that. So i dont think any discounts for low usage will help. i should mention that financially im worse off moving closer to work as the cost of living dramatically increases the closer i get,gas goes up 10 and rent goes up 200 so no savings thereI would really appreciate any guidance to figuring out how to lower this expense. Honestly the only thing i can think of is to pay this car off as soon as possible and drop the collision insurance, but i dont think thats the best thing to do. -editupdate- thanks for all the replies, i guess i just wasnt aware the cost for full coverage insurance. Also by playing around with USAAs deductibles and deductions i was able to make it down to 227mo.  <response>: Shop around, and compare both rates and coverage cheap insurance can mean shitty insurance.That said, youre 20, recently totaled a car, and now paying collision on a car you owe money on. The price youre paying is definitely within reason under those circumstances. 