<prompt> Human: I just bought a brand new car. Being the idiot that I am, I didnt think ahead to my auto insurance premium. I drove an old car as the 2nd driver off of my dads policy for the past 3 years. Therefore, I had no idea how much he paid or how much impact accidentstickets cause on ones insurance premium. Anyway, within the last 3 years, I was in 2 accidents both me at fault and had about 4 tickets 3 minor, 1 for my big accident in 2012. Guys...Ive called at least 7 different insurance companies for quotes. The premiums Im getting are ridiculous. All at around 200-400mo. Thats higher than my down payment on my car! At this point, I feel super screwed and regret my decision of buying a new car. I dont know what to do... do you guys have any suggestions of smaller insurance companies that are more accident forgiving?  <response>: nope. 2 at fault accidents and 4 tickets is a pretty big deal. youre gonna have high insurance no matter who you go with, all you can do is keep looking around. 