<prompt> Human: Ive always been told that when you turn 25 your auto insurance rates are supposed to go down. For example my friend tells me he pays about 25 a month for insurance, so much to my surprise my insurance plan is set to renew this next month and they just emailed me my new rates and they are now 175 a month, from 145. So Im a bit confused. Here is some details:I drive a 2002 BMW 535i, it is financed, Ive owned it for 1.5 years now.Ive had my license since I was 16. Ive had one accident two years ago, minor fender bender in the parking lot. I just got my first speeding ticket for 9 over 3 weeks ago. Ive been with esurance for almost 3 years. I was cited 3 years ago for driving without insurance due to a miscommunication with family So Im not sure if this is affecting it still.I would love to be a families insurance plan, but Ive been screwed by family too many times.Am I just getting quotes the wrong way? Or am I just effed?  <response>: Speeding tickets effect the cost of insurance... 