Insurance rates vary tremendously by region of the country and even by county within a single state. Rates are set based on many things other than driving record. They include age, years of driving experience, type of vehicle (including drivetrain) and trim line, average number of miles driven per week or month, etc. One of the things none of you mention is how much "full" coverage you're buying. "Full" coverage usually only means liability coverage (if you cream someone and it's your fault), uninsured motorist coverage (if some uninsured yahoo creams you) and comprehensive (coverage if your vehicle is damaged in some other way like hail or stolen). But you need to inquire what your insurance limits are. If you wipe out a family of four but only have $25K limits (common in many states), your "full" coverage will be instantly exhausted and your house (or your family's house for the minors out there) will likely be attached as an asset to pay court judgements for the damages you've caused. So, everyone with "full" coverage, check with your agent to find out your policy limits!
