<prompt> Human: Im in PA and paying 320 a month with state farm. Im 23 YO. Originally I was paying around a flat 200, then about three monyhs ago I got a speeding ticket going 75 in a 55 mph on Memorial Day weekend. Since then the next bill was 400 then dropped to the price it is now. Now this itself is strange considering I was told by people a ticket wont raise rates until the next 6 month interval. A few years back I also was at fault for an accident where I backed into a car in a parking lot. This may explain the 200 price initially. Considering these two events, is this still a reasonable price to be paying per month? Should I find a new company because this is way too much to be pouring money into  <response>: Should I find a new company because this is way too much to be pouring money intoYou can always look for a new insurance company and see how much it would cost with them. Any insurance company will give you a quote. Worst case scenario, its higher and you stick with what you have. Best case scenario, you pay less than what you pay now.With that said, you can get in touch with State Farm and see if there are any discounts that you can ask for. My SO has State Farm and she qualifies for their good student discount. This lowered her monthly insurance bill considerably. Depending on your situation, you may qualify for more discounts. Again, it doesnt hurt to ask.One last thing you could do is raise your deductibles. The higher your deductibles are, the less that the insurance company is on the hook for in the event of an accident. Youll bear more financial responsibility if you do get into an accident, but youll pay less in premiums. I recently did this with my policy and raising my deductibles to the next level up lowered my premiums by nearly 50 per month. Edits: grammar 