<prompt> Human: I pay 250 MONTHLY for my insurance. Why? Im required to get full protection because i financed my car. Ive never gotten a speeding ticket, or gotten in an accident. I am young just turned 20 but its still ridiculous i pay this much. Anyway what i want to do is restructure my debt and take another loan out to pay the bank back and renegotiate my insurance policy. And save more than a hundred monthly which is alot to me. How would i go about doing this? Where can i get a lowish interest loan? Any advice is welcome. Thanks guys.  <response>: How exactly are they screwing you? YOU chose to finance a car, not them, and any finance contract will lay out clearly what level of insurance is required prior to the purchase of the car.Youre an inexperienced driver with a relatively newexpensive vehicle Im guessing here, since its financed... youre a high risk driver AND will have higher costs in the event you do have an accident. Insurance is a pay-to-play cost. 