<prompt> Human: I live in Dover, DE and Ive never had my own insurance, but Ive been on my fathers up until recently. I Decided to get my own insurance because I desperately need my own vehicle, but I was somehow quoted at 262 a month! THATS MORE THAN MY CAR PAYMENT WOULD BE!!! What the heck!  <response>: Shop around. Allstate quoted me about 250month for full coverage. Geico gave me the same coverage for 75month. 