<prompt> Human: I am a 19 year old male. I live in Timnath, Colorado. Ive had my license since I was 17 years old. I have had 1 car and still have that car. Ive not been in any accidents, a few slip ups but as far as my insurance goes I have not gone through it for anything. My only thing on my record is a stop sign violation for not making a full and complete stop. That was in January of 2018. My insurance for a 1999 Honda Accord is 110month. I am in desperate need of a new car because of how my car now is falling apart. Ive gone to a few dealerships and everything is fine and dandy until we get to insurance. My insurance for a 2013 VW CC was 549 for State Farm!!! And 476 for Geico, what I have now. That just seems crazy to me. I asked the dealership guy and he said hes never seen anything that high for just one person. I am beyond confused. I cannot afford insurance that high. I feel like Ive tried so many different insurances for so many different types of cars. Theyre all high. A 2010 Honda Accord was 340. I cannot fathom why it is so high. Ive talked to friends my age and they dont pay nearly as much. My girlfriend pays less than 100 for a 2008 Altima. I am getting frustrated because I need a new car and do not want to renew insurance for my car when it ends. Is there any reason at all this might be happening?  <response>: Do you have multiple quotes from different companies to compare?As a male under 21 with a moving violation, youre in one of the highest insurance risk categories so your rates will reflect that . Some insurance companies offer discounts for things like good grades or agreeing to have a transponder in the vehicle. Ask about discount programs. 