Petronella Kangaloo

Question: How to significantly lower my car insurance, just got fired, can't afford more than $50 or so a month...?

I'm only 18 and I was just fired from my first job, I worked there for 8 months or so. I still live at home and don't owe any money on credit cards, so my only real problem is car insurance/gas. My parents refuse to help me at all. I currently pay $133 a month in car insurance; I have Statefarm. I've been driving for a year or so and have been in 1 fender bender, my insurance didn't even go up because of it. I've been paying my own insurance for a few months, maybe 6 or so. Is there anyway I can lower my car insurance? One of my friends only pays $80 a month and he's my age. By the way, the car is a 2004, dark blue, not flashy, four door car. If the type of car matters at all. I'm not sure what the $133 a month I'm paying covers, but is there anyway I can pay less and have it cover less stuff? I'm a very safe driver and have never been in any type of accident my entire life (the fender bender was my boyfriends fault -- he was driving my car, not me). I live in Virginia. Is there like a $50 a month option or something that doesn't cover me or the person I hit if I were to get in an accident, and the $50 a month is just so I don't get pulled over and charged with driving without insurance? I need some options because I have very limited funds and I'm not sure how long it will take me to find a new job. Thank you for any help!

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