<prompt> Human: I have a 2006 Acura TL that is now worth only 3500; however, my State Farm car insurance has forever stayed the same at 85month.I do have collision coverage. Ive never been in an accident or received a ticket. In my early 20s. Excellent credit score.Does this price seem too high? Are there any tricks I can use to lower it? It just seems silly how my car has dropped 7000 in value over the years, but I still pay the same insurance price.  <response>: Youre paying for the sins of your demographic cohort Im afraid. Expect a reduction when you cross 25. 