i believe ur able to get the price lower. how much, im not sure. this is how they calculate ur insurance. location, age, gender, credit score and driving history and insurance history. i'm not sure if that is all of them but if u are good on all those category u should be able to get a low price.
List of Mods
Car: 2008 USB Lexus IS-F
Mods: Joe Z|Toms|Wald|Arkym|BC Racing|OS Giken|Beat Sonic|HPS|FSport|GTSpec|Lexus|iJDMToys|V-LED|Bride|McGards|Junction Produce|Project Mu|Hawks|PPE|FIGS
Teo the "Triad Accountant"
I'm an insurance agent, and that sounds like a rate in a high risk plan. Do you have prior insurance? If you have been listed on anyone's policy as a driver for at least a year, that will give you a much better rate. I work for Allstate, so I can say that with us, your rate does drop when you turn 25. Rates are also calculated on driving record, credit, zip, and vehicle. Have whoever is quoting you a policy quote it for after you turn 25, if its within a few months, they should be able to tell you the rate. If I was licensed in NY, I would help you out, but I'm in MA and RI only. Good luck!
I pay $1800 every six months for my '11 IS-F, '07 Xterra, and '05 Altima SE-R. I would def shop around!! I also have 2 at fault accidents, speeding, and a improper lane change. they will all fall off my record in 9 months though. i was told my premium would me $960 every six months once they do. i am also 27 with a 22 yr wife. $0 deductible and $500,000 coverage.
Here are some national insurance rate comparisons for ISF competition
Lexus ISF 4 door Sedan 8 cly. $1978.90
BMW M3 4 door Sedan 8 cly. $2,012.82
BMW M3 4 door Coupe 8 cly. $2,141.60
BMW M3 4 door Vert 8 cly. $2,171.9
Mercedes C63 AMG 4 door Sedan 6.2L $2,050.84
Cadillac CTS V 4 door Sedan 8 cyl. $1,936.51
Cadillac CTS V 2 door Coupe 8 cyl. $1,840.68
Chevrolet Corvette 2 Door Convertible 8 cyl. $1,782.07
Chevrolet Corvette 2 Door Coupe 8 cyl. $1,740.85
Chevrolet Corvette GS 2 Door Convertible 8 cyl. $1,801.66
Chevrolet Corvette GS 2 Door Coupe 8 cyl. $1,818.37
Chevrolet Corvette Z06 2 Door Coupe 8 cyl. $2,029.79
Chevrolet Corvette ZR1 2 Door Coupe 8 cyl. $2,336.83
Nissan GT-R 2 Door Coupe Turbo 6 cyl. $2,585.88
Porsche 911 Carrera 2 Door Coupe 6 cyl. $2,274.43
Porsche 911 Carrera S 2 Door Coupe 6 cyl. $2,919.90
2011 USB IS-F Joe-Z intake & PTS Exhaust, PPE Headers, ECT Hi-flow cats, front Carbon fiber splitters,S4play rear diffuser, F-sport carbon fiber shift ****, custom painted calipers, Clear bra on hood,ICE JL W6 sub, JL 500 mono block amp. Winter tires 245/35/19F 285/30/19R Conti Extreme DWS