<prompt> Human: Do I have the wrong insurance or is this typical? And if it helps Im 28M and have never been in an accident or cited for a traffic violation.Edit:Thanks for all the great replies everyone. I think I can safely say that TIL that I know shit about auto insurance and it varies widely by state sorry jersey. Gonna do some homework this weekend and figure out what coverage I even have wups! and then hopefully shop around. Cheers! Also maybe Ill buy a new car since new safety features decrease insurance premiums !? Maybe wishful thinking :  <response>: What company are you with? Some companies are for nonstandard risks and you could have started with a nonstandard company instead of a preferred. Do you have continuous insurance from the past 3 years? Hows your credit? 