<prompt> Human: Not so much looking for advice, just clarification.Im 22, never been pulled over, but Ive been in two accidents, technically. The first time, someone hit my car when it was parked, doing around 4,000 in damages. Their insurance paid in full, up front. My insurance didnt have to cover a thing. The second time, I was in a turning lane at a red light. I was completely still. Someone ran a red light from the opposite direction, plowed through two cars that were turning. They panicked and kept their foot on the gas, took out a street sign, hit the two cars in front of me, and stopped on hitting my car. My insurance paid up front, and was reimbursed by theirs. My rates went up significantly. And Ive shopped for quotes with other companies. Even with the significant discount I get through my employer, Im still looking at upwards of 450mo. This has put a huge dent in my savingsinvesting money. I dont understand how they can assess me as a much higher risk, when Ive been in no way responsible for either situation.Assistant: Unfortunately I dont have any insight into how car insurance companies can increase rates on you, but 450month is insane. You driving a Ferrari? Shop around at a handful of other providers and see what they quote you at.Human: Honda Civic lease. And yeah, thats almost my monthly rent. And almost double my car payments.  <response>: By the price i am going to guess: Under 25 not married - confirmed Male Full coverage due to car loan 