<prompt> Human: I am a 21 year old male who has never been in a car accident and I have no tickets or violations on my record. I have also been driving for the past 3-4 years under my fathers plan, but since I just started leasing my first car, I had to get my own insurance. I am paying 240 a month with Geico. This is after student discounts, etc... I even have renters insurance through them which lowered it even farther. The only thing I can do to lower it according to Geico is take a defensive driving course which will only lower it by approx. 20 a month. Not sure if I should be looking elsewhere for coverage or if this is normal? I guess I just want to know if I am being screwed here and if there is anything you guys suggest I do. The quotes I have received from other places online were higher.  <response>: 21, Male, NY with a new car that why 