<prompt> Human: So my mom has been complaining about car insurance price and I just overheard her on the phone with GEICO saying that out insurance is now 490 a month. Is there any cheaper option I can recommend for her to do? The three cars on the policy are a 98 Nissan Maxima, 07 dodge caravan, and a 12 Honda Civic. I know that the maxima has been in about 4 accidents and living in Florida. What options are there instead of paying 490?EDIT: To clarify my mom drives the van, my brother the 98, and me the 12. She drives to and from work and errands across time from time to time. My brother drives an hour just for school and about an hour a different way for work. Since I started driving Ive been mostly going to and from school, soccer practice, and general errands. Errands are like driving across town to pick up my little brother, take him to another side of town for pianos lessons, and another side of town for violin lessons. Both me and my brother have full coverage.EDIT 2: My mom got off the phone with the insurance company and was able to lower it down thanks to the help of udecaturbob. No need to have full coverage on an 18 year old car thats worth 500.Assistant: Shop around. Have fewer cars. Why does your mom need three cars?Human: A car for herself, a car for my brother who drives 30 minutes for college and delivers pizza stupid I know, and one for myself for school and errands to run for my mom.Assistant: You and your brother can pay for your own insurance instead of expecting your mom to. Im also assuming one of you two are the reason for the accidents?Human: My brother had all 4 accidents, I havent had any yet. I plan on getting a job after soccer season ends in two months.  <response>: So you can both pay for your own insurance. Either pay your mom every month or get your own policy. 