<prompt> Human: As the title explains, Im buying auto insurance for the first time. Im in my early 20s in California and I only have one ticket for not coming to a full stop at a stop sign. My friend, who is older and more knowledgeable than I on these matters, says I should easily be able to get a hyper minimal insurance plan for something in the range of 30-50 a month and yet, the lowest Ive been able to find is 95mo. Is there something Im missing? Like a secret, back alley insurance agency that will give me the shittiest insurance possible, while still being legal to drive?  <response>: just keep shopping around, but dont listen to your random friend who does not work in the insurance agency. 