I've always had my parents as named drivers with myself as the main driver. Putting them on halfed the cost at first. Payed 1.8K to insure my first car, Yaris T sport, that was about 2.5 years ago. If you can save up and pay it in a oner it can bring the cost down considerably. For example, my GT was 1.1K paid full or 2K in monthly payments. That was only a few months back, 19 years old 0ncb. Also put your car as being parked on the street, it was more expensive for me to put it was parked in a locked garage lol.