Am I paying too much for car insurance on my vehicle?

Your age and sex has a lot to do with it.  Guys get hit harder than girls...because they can earn more money than girls perhaps?   But guys tend to have more accidents than girls 18 up to and including age 25.  Statistics show that to be true.  This is a continuous  model they run .  $724 is cheap per year.   I am over 25 & my insurance is$1200 on a 4 door van.  It has always been that costly.   It goes up because the number of claims goes up on costlier vehicles and many SUE which cost insurance even more money. Somebody has to pay so everybody who drives a car pays.   Then there is inflation with the cost of repairs going up and the cost of replacement parts going up and the workmen doing the work want higher wages.

It is LIFE.  Grin and bear it or stop driving.  Your choice.

No one likes to pay more for auto insurance than they have to but you may be paying a higher premium than is necessary. Auto insurance premiums are rated by insurance companies based on several key criteria; the vehicle's make and model, safety features, usage and driver information including tickets and accidents.

Jesus.  If you're going to write a mini-novel, there's this thing called punctuation.  Learn it, know it, use it.

And hell yes you're paying way too much for car insurance.  There isn't a single insured person on the planet who isn't paying too much for car insurance.  Go ahead, ask absolutely everybody if you don't believe me!  

I pay $600 a year on my 95 Plymouth van .

Age is also a factor. Under 25 and you'll pay more.

 60 bucks a month is cheap . 

The only way to tell if you are "paying too much" for insurance is to get quotes from other insurance companies.

$362 a month or for 6 months or for one year ????

BTW, That backing accident you had was YOUR fault.  It doesn't matter that the other vehicle was parked illegally or even upside down in the middle of an intersection.  If you back into the vehicle, you are liable.

Not if you live where that is the price.  It would have helped if you said whether you meant $362 a month or $362 a year, but it doesn't change the answer.  There are places where $362 a month is too little, and there are places where $362 a year is about right.  Any number could be right, somewhere.

If you don't live where that is the price, then you're paying either too much or too little; it could be either, depending on where you do live.

You need liability only and compare at least 3 companies every 6 months. State Farm, Geico and someone else.

Insurance agents should be checking all the companies rates that offer car and truck insurance. That's the reason to have an insurance agent in the first place. On a truck that old you should only have liability insurance on it. Progressive gives me great deals.

Drop 300 dollars and it might be right