<prompt> Human: To give context, Im a twenty one year old male with two speeding tickets and an at fault accident under my belt rear ended somebody at the end of December I need a car and Im looking to purchase one tomorrow, I had Progressive give me a 6 month quote for 4095 paid up front. Is there anything I can do to lower that in the near future, I may be able to put off getting a car for a few weeks if it means I can do something to appear more favorable for insurance companies.  <response>: You do realize that by getting comprehensive and collision youre paying 2kyr to insure a 5k asset against your own mistakes? If youre that confident youll wreck it, dont get the car.. 