<prompt> Human: So Im currently paying 226mo. for car insurance through Geico. Apparently that is extremely expensive and not at all what I should be paying for a 99 Mazda. Im 20, have had my license since I was 17 and have been in no accidents. No tickets. Can anyone help me figure out why its so high or what a good policy is? I have no idea how to set any of this up so the help would be much appreciated. I can edit my policy which would probably help but I dont even know where to start with that or what I need. Assistant: yeah... that does seem high... cars probably only worth 2 or 3 grand... you could replace it with a year of premiums...do you have comprehensive? you may not need it if you dont have a loan that means if the car is damaged or stolen, no reimbursement.maybe you live in a high risk area?Human: I do have comprehensive, 500 deductible.  <response>: Dump the comprehensive. Get straight liability with the highest coverage you can afford. Your cars not worth the deductible. 