Whoa... well I still need to get a car, so here is how my insurance lines up--
I've got the drivers training course, no car yet, no infractions, high grades, etc etc etc. $120/month. Crazy.
Do you live in a northeastern state, or in a large city elsewhere? If so, there's your reason. Live in the "wrong" geographical area and you're dead meat.
Of course, let's not think that insurance companies act logically. The people of Ridgewood, New York could tell you a few things about that. Until about 15 years ago, for reasons no one could explain, Ridgewood had a Brooklyn zip code even though it's always been a part of Queens. Because car insurance companies redline by zip code, the neighborhood's residents were forced to pay exhorbitant Brooklyn rates rather than the somewhat lower (but still high) Queens rates. After a long lobbying campaign, they got the postal service to give Ridgewood a Queens zip code. All the car insurance companies immediately and significantly reduced the rates for Ridgewood residents, even though, of course, absolutely none of their risk factors had changed one iota.
"Let me think about it" = the coward's way of saying "no"