You should consider lowering that deductible it will probably only be a few dollars more per month to go to a 500 or even a 250. Check it out...im 23 years old, 2 speeding tickets on record, and an accident that was my fault (when it really wasnt, but i had no witnesses and he had his buddies vouch for him), through Progressive, 230$/mo for full coverage (25/50/25) and a 1000$ deductible.