You will realize about a 25% decrease in rates when you turn 25, and about the same amount when you get married.

If you keep a spotless record (tickets/accidents), they should decrease your rate in small increments each year.

I pay less insurance now with full coverage on the MBs and liability on the Bug AND a homeowner's policy on a small second home than I did when I was 25 with just the Bug on full coverage.

Being in a small town helps rates tremendously...I have always lived in high-risk areas...not from crime, but from traffic volume...and Texas is not friendly in that aspect. Also how no-fault laws are governed in your area can dictate rates...

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2009 ML350 (106K) - Family vehicle
2001 CLK430 Cabriolet (80K) - Wife's car
2005 BMW 645CI (138K) - My daily driver
2016 Mustang (32K) - Daughter's car