<prompt> Human: Hi Everyone.So Im under my dads insurance with my two cars. 2011 BMW 535 x-Drive and a 2014 Chrysler 300S. His car is under the business insurance so we wont include that. We go through Progressive and pay about 860Month. I think thats ridiculous. Im 21 and have a clean record. I had tickets before but they were always taken care of. My dad also has a clean record. Unfortunately my mom had a previous DUI before but she doesnt drive any of my cars or has a car so we excluded her from the insurance. It used to be about 970month with her on there. Once we excluded her it dropped down to the 860month. I still feel like it would be way to much. I got friends who drive higher end cars that are the same age and pay about half of that. When I ask my agent or progressive why its so high? Neither of them can give me an answer.  <response>: You can try shopping around for a new quote. With those cars and your age and tickets, your insurance will be high. Also, just living with someone who has had a DUI can cause your rates to go sky high, depending on your states rules. 