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Well, I am sure it has to do with your age. Mine is about 34 a month and that is full coverage with a $50.00 deductable. But I am over 40 with no record of tickets or accidents in the last 20 years. I know, they only go back 3 in DMV but the insurance companies can go back even farther with their own little clearing house database. Yup, that's right, they store all information about everyone in a database that the insurance companies all tie into. They go back like 10 or 15 years. If you have ever filed a claim, you are in there and they know about it. They can check your DMV when you first get insurance somewhere and that information is stored and they do it every 3 years to update their records. Good luck.
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