Okay, I'm genuinely curious. What kind of stupid ass sh*t did you do to have that expensive of car insurance? I'm 29, and granted I have no speeding tickets or accidents on my record and I pay about $50 a month for liability and emergency towing. Only bad mark I have against me is a bad credit score.
When I was 21 or so, the insurance company I was with wanted me to pay about 400 dollars a month for just PLPD (Michigan's term for just Liability and Property Damage, bare bones insurance). It started out high, when I first started driving with them in High School, and increased every year for no reason other than they could. I remained accident free and moving violation free. I didn't even have any parking violations, even though those don't count against you. You act as though insurance companies trying to charge outrageous prices for basic coverage to young drivers is unusual?
My car insurance has only gone down as I've gotten older. Maybe you picked a crappy car insurance company? Plus Zymunn said he was 27 when this happened, and 25 is the age that car insurance is supposed to go down drastically in price. Although, you guys are dudes so that probably has a lot to do with the higher costs too. You men folks and your aggressive driving bites you in the ass here. Yay for stereotypes?