How old are you? I take it you are pretty young if you are on a family policy? Your previous driving record will have effect too. If it shoots up too high for your family policy as a whole, see if your parents will shop around for something cheaper. I did that when Farmer's raped me for my at-fault accident. They told me how much it would go up...from $122/month to $150/month so that's what I budgeted for. When I got my bill it was gonna be $220 a month. I was 24 at the time and they treated me like I was still on a learners permit
