I just recently got my own car insurance that just has me and one vehicle on it. My parents, friends, and everybody else agrees that I pay way too much for my local auto insurance provider. I don't have Progressive or Statefarm or none of those big insurance places. I keep thinking since I'm a younger client that they bump up the prices. (I'm 20, by the way.) I pay $68 for just liability in Arkansas. Do you think I pay too much? How do you think I could lower it IF I could even lower it or if you think it's high in the first place.