[MATCHBX]

With State farm I pay $86 a month for full coverage on my talon and storage insurance on my CRX. Garnted I'm 30 years old and have been with them for over 5 years.

If you want your rates to drop, take an approved class to help with your driving. You may not need it if you are a safe driver but they will drop your rates quite a bit if you take defensive driving courses and such. Also, if they offer other types of insurance (ie. life insurance, etc.), take out one of those policies. Terina took out a life insurance policy that costs her $7 a month, but it dropped her car insurance $20 a month!! You need things like multi-line discounts (like the life insurance policy) and multi-vehicle discounts.

Also with State Farm, if you have a "B" or better grade point average, they drop some money off for that. If you are with them for 3 years and are accident and ticket free, it drops another 10 % or so. Go in and talk to your agent. If they aren't willing to help you find ways to lower your car insurance, look at another company. When I went to State Farm, they bent over backwards trying to find all the discounts they could find for me. Don't stop at your first quote either. Make them work for their money. Tell them you want them to show you what coverages are available and what the estimates would be.

Although it means you would have to pay more to fix your car if an accident occurs, you could try raising your deductable for a year or two until you turn the magical age that the rates drop. Basically it would mean that much less money you would get from the insurance company if they have to pay out on the claim. Most people have it at around $250, but you could raise it to $500 and drop your rates.

Or you could just get married. Your rates drop about in half when you do that!!!