I wish I knew, lol. I've never met anyone who's paid less than $100/month for car insurance. For my brother though it's probably on account of him being 19, being at fault for an accident that totaled 2 cars, having a speeding ticket for going 25mph over the limit, a $40k+ truck, and car loans like this requiring a $500 deductible at the highest it can be set.

He's not the best candidate for an insurance policy...