Get a copy of Consumers Reports's rating of insurance companies and associated issues (sort of an insurance primer for consumers) . They do the rating every year or so and from what I remember it does not change that much. Your local librarian should be able to get the lates rating for you without much problem.
I pay 1200+ a year for an 86 with 200k, never in an accident, one parking meter ticket about 3 years ago and I am 25 twice.
But, I live in NJ where red lights suggest caution as we know.