Yeah, I pay $342/month with no tickets and no at-fault accidents. When I first got the celi it was around $300, I'm still 20 though too. You prolly have to be 25+ or get a hookup under your parents insurance to get any cheaper...my insurance said it would go down when I turn 21 but we'll see...
Back when I needed insurance for a turbo'ed mr2(I never actually got one..soo close though... ) It was gonna be somthing like $150 a month. It was so low becasue my Mom was a Premium customer or something so they would give me a huge discount on insurance even though I was on her policy. Without the discount OR if I got another ticket it was gonna be $250 I believe.
Have you even considered shopping around insurance companies? It can vary alot where you go, unless you got a rap sheet of a drivers record. Id give the prick insurance a-holes the boot b4 i got rid of my car. Id love to crap down the throat of any one of the CEOs of a major insurance company.
yeah dude, check around before you start thinkin of givin up the celica...who are you with anyways? try geico, or amica, or state farm, theres lots out there, those are just a couple....shop around to see if you're really getting screwed or if for whatever reason nobody will give you any better of a rate. good luck