Hmm…a 20 year-old male with a hopped up car with high insurance costs? Statistically, you are trouble.
And that is all insurance rate setting is, statistical analysis. Did you call the insurance company to see why it went up? You could also try shopping around for cheaper coverage.
You live in the most densely populated state in the nation. Plus people drive like schmucks. And the state government can’t stay the F out of the issue, just making it worse on the insurance companies. And most people in NJ feel car insurance fraud is acceptable. All that adds up to high insurance costs.
There is hope. I pay less than that for full coverage on two new cars, liability on a truck, and haggerty’s on the 77. All with higher liability that that ridiculous 15/30 state minimum (come on, if you total someone else’s car, what are the chances $15k covers it?). You just have to get older and continue to stave off the tickets (I highly recommend the Valentine One radar detector if you must speed). Or move to another state.