<prompt> Human: Im about to turn 33, Im a college graduate with excellent credit 770-815 depending on who you ask and Im paying back an auto loan on a 2012 Toyota Camry. When I pay my bill six months in advance its discounted down to 90 per month. This is the best offer they can give me on their platinum tier. After paying my bill this month Ill be upgraded to the diamond loyalty tier.I have had a couple of fender benders, none of which occurred in the last 8 years, except for one last year. I was not considered at fault and I did file a claim.I do have the cash power to pay off the loan if that will help the insurance rates.Anyhow- shopping around for insurance doesnt yield any lower quotes. What can I do to get this down to a reasonable rate?  <response>: Agree with brommas. The area you live in, crime rate, vehicle type and drivng record are the major factors. The best thing you can do is shop around and get the best rate. Raising your Deductible on the insurance will give you some additional savings.Best of luck! 