<prompt> Human: Hi,So some relevant information, Ill try to keep it short. 19 years old, active military, making payments on a 2001 Durango and the cheapest insurance policy I could find is 260 a month through USAA for minimum coverage. I think this is ridiculous because I have never had a single ticket or any accident whatsoever. I called USAA and asked what I could do to lower my insurance, they said its as low as it can get because Im young and drive an SUV that could cause more damage than a regular vehicle in the event of an accident. Every other insurance company quotes me at over 300month for the same coverage. I had to pay 600 out of pocket to get my radiator replaced because my insurance didnt cover mechanical failure, however they did pay for the tow truck.I do not want to keep paying so much for a shit policy. What can I do?  <response>: This is why: 19 years oldSorry, its a cruel world out there. Are you paying for collision? If you are, then you should probably drop that and could save some money there. 