<prompt> Human: iI am paying about 200month for car insurance on a nice little dependable car that is only worth about 10k. I am 33, never lapsed on my car insurance, have never been in a wreck and never had a claim filed against me or have I had to file a claim or deal with insurance in any form or fashion.I havent had a ticket in over 10 years and I also have on the lower side of good credit. A ton of my friends my age seem to get in a wreck every 6 months or get a speeding ticket multiple times a year and somehow pay half as much insurance on cars that are 3x more expensive. What is going on?edit yes, I have shopped around other places and same ballpark prices for all agencies  <response>: Insurance agent here; there are tons of variables you havent mentioned, including location, coverages, driving records, etc. You said in another post dropping full coverage a nonsense term drops you to around 30 a month. Based solely on that, Im guessing your Collision coverage is the highest coverage, which points to your driving record and usage as large factors. A 55 mile commute is pretty high, and if youve got some activity, thatd cause a pretty significant change. Send your insurance company an email and ask what if anything is being surcharged on your policy. Its not impossible for your activity to be incorrect, and if it is, you can send them a copy of your driving history usually available online to have things corrected. If you had another insurer, they may have reported you were at fault in an accident when you werent, but you can also fix that with a letter of experience from that insurer as well. Insurance is a weird industry, and errors do occur. Its in your interest to be your own advocate. However, a good insurer will help correct mistakes if they are happening. 