<prompt> Human: I drive a brand new 2016 vehicle owned. I am a 26 year old unmarried female and got my license when I was 23. Is this a fair deal? Ive never been in an accident or filed a claim of any kind. I spent today getting several quotes online and they all end up the same premium. Will this price eventually go down as I and my vehicle age? How long does it typically take assuming I remain accident free?Sorry if this is a ridiculous question and yes, of course I should be paying that much. I was entering all of my finances into Mint and it said You are paying 99 more than the average Mint user for Auto Insurance!Edit: Thanks for the help everybody!  <response>: Your lack of driving history may be a factor, as youve only had your license for 3 years. If your credit history is terrible then that could impact your price as well. Thirdly, your place of residence might be particularly high risk for accidents, thefts, or claims from weather events. 