<prompt> Human: Im currently paying 295 month with State Farm. When I got a quote online it said 500mo but an agent ended up calling. The Agent did whatever she could to bring it down to 295 which means I didnt get much good coverage. Every once in a while when I have free time, I get quotes from other companies to see if I can find anything cheaper...no luck. Can you believe nationwide would ask me for 800 a month? Everywhere else wanted at least over 500 a month. I can understand the high rates. Im 20, Ive only had my license since I was 18, and I live in Vegas where youll see an accident on every corner...but 800mo is just outrageous. Theres probably people with duis paying less than that my driving record is clean. :  <response>: 16-21 you should drive a beater with liability if you want cheap insurance. 