Well, Im a happy Progressive customer.
There are lots of factors, and quite a few people dont check, they just get whatever the agent recommends.
Mine, full coverage, with comprehensive (if I drop it, or it falls over, its covered), with a $250 deductible, on my 95 Connie is roughly $216/yr.
No accidents and no tickets. No other vehicles at all insured with Progressive either.
Of course people say that all the time about tickets/accidents, and Ive found that some forget about tickets, or dont realize how far back their insurance goes.
Some others still dont realize that their credit rating plays a role in the insurance cost too.
What state you live in makes a difference too....were I in Michigan instead of Indiana, Id bet Id be paying more than double what I am now...
Lots of factors, but if you feel like you are paying too much, there are WAY too many options to stick with that company.