<prompt> Human: Im 21 I live in Boston and Ive had my license since June 2014 I was 18 with zero tickets and zero accidents. I own a 1992 Mercedes 190E that I pay 130 a month for car insurance through Liberty Mutual. Im trying to build credit, would like a newer car, and Im a Mercedes Benz tech in training so preferably, Id want to go with another Benz. The thing is, the dealership I work at can get me a great deal on what i have in mind, 2008-2014 C300 4Matic, but when I go to get insurance quotes its insane. I got ones from Geico, Progressive, Liberty Mutual, and others and theyre all around 550 a month the lowest was 430. I cant afford that on top of the finance payments but am I doing something wrong? I feel like it shouldnt be this much. I even tested it and got quotes for other financed vehicles such as an FRS, last gen Mustangs, older WRX and some others and all of them financed were in the 400-600 a month range. Am I doing something wrong? Or is it just not possible to finance a car at my age or at least the cars I want.  <response>: Every type of vehicle you tested would fall into a high risk category. Combine that with your age and gender also being high risk and you get high prices. It sucks, but thats the way the statistics pan out. Try getting quotes for something boring like a Civic and youll see the rates drop. 