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Dude, call AAA. They have amazing rates. I pay 1100 for the year, full coverage on my Evo. I have an accident on my record, it is not an at fault but it is not the other persons either, kind of a mutual fault also have a few no point tickets. If you have AAA roadside assistance they give you a nice discount as well as good discounts for all sorts of safety features for your car and if you have taken a driving class or if you are s student. Seriously check it out. They work with you on payment options, always have the bill to your hose 2 weeks ahead of time and have an internet pay option that costs nothing and you can even use bank routing numbers so you don't need a credit card.
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