<prompt> Human: Hi, all! This is my first time posting on this sub.So I was putting together my budget for the upcoming weeks and realized that my bills are very high. I pay a cheap phone bill, dont need to cover internet or utilities, usually dont spend more than 50 on groceries, etc... but my car insurance seems disturbingly high. Last year I paid a minimum of 315 a month, and this year I have a premium of 1500 and am paying close to 300 monthly. I recently got my renewal notice and I thought I was getting a fair shake, until I started looking at what other people are paying for theirs. I am a new driver, but I have no claims, no tickets or accidents whatsoever, and I still think it seems a little much. Could someone correct me on this? Or, if possible, give some insight into how to lower my premium?Some background:-19YO unmarried male-One vehicle: Pre-owned 2003 Honda CR-V-Salvage title only because a back door had been reattached-Live in semi-suburban New England town outside a small city-No accidents, tickets, etc - just a few encounters over a broken headlight, missed registration renewal by a few days, etc...-One outstanding hospital bill, two or three outstanding toll bills, but those are from THIS year, and my premium doesnt appear to have gone up because of them-Driving for 1 year 12 months exact-Took driver education-Have been paying for AAA auto for the past 6 months  <response>: 19 year old male says it all, sorry. Unfortunately that will make your insurance pricier. You should look at your policy and make sure its tailored to you. Can you increase your deductible? Is your usage reported correctly? You may be able to take a defensive driving course or the like and decrease your premiums. What company are you with? Are others cheaper? It may just be your state. I live in CA and pay about 900year. However, my takeaway is that your cost will lower with time. 