<prompt> Human: Ive been reading a lot of posts on this thread tonight, and noticed something odd; my Insurance on my car seems absurdly high compared to everyone else in my age group. Ill list out the details to make this post a bit more readable.-20 YO male-No tickets, two accidents other driver at fault in both -Car is 2003 Jeep, bought for 3,400 in cash-No criminal record or anything similar-714 credit score-College Grad with an AA degree-Lives with parents-Purchased car at 18 YOFarmers has me paying just over 200 per month for minimum coverage in Oklahoma. I can afford this amount, and have had great service from my agent, but its still a lot of money. Help appreciated!  <response>: I used to be an agent selling and servicing auto insurance. Rates vary by the insurers actuarial tables, which basically put prices on how risky a factor is. There are also different tiers or companies with different rate sets within each insurance company. One very important factor that people dont think about is having current insurance. Whether its being a new driver or driving without, both are big red flags for insurers. The ZIP code in which you live is a big factor, also your age and gender. Expect to pay much higher premiums until you turn 25 or get married yes, they look at that, too. Your credit score should help, as should your degree and lack of tickets.Question: You said minimum coverage. Do you have physical damage coverage comp collision? If so, see how much those are and the deductibles. You probably are wasting money on those with a 14yo car. You would likely be better off saving the premium to pay any repairs out of pocket. My advice is to get some quotes with other insurers for the same coverage. Ask their advice about what coverage you should have. After this you can go back to your Farmers agent and ask them to review your policy. They might be able to move you to a different tier or get you additional discounts. Then you can make a decision about whether to switch insurers.Good luck. 