there people, i juist find it so annoying , i pay like 150 dollars every month on my vehivcle, isurance say cos am under 24 and am male, cos they say there reseach shows that males under 24 have more accidents(60 of road accident in the usa every year), //it is really fair for careful drivers like me> i dont ignore red lights,, neither do i drink or smoke wed imy car , it is fair?

the area u live might be a factor too. If its an area where many people are uninsured, it might increase ur premium. The insurers might look at it as a high rist. You might be driving a newer car. Is it full coverage? The type of car might be on the list of "Most stolen brands" etc

Drive a 1981 BMW 3201 like me and your problem will be solved

Because you are more likely drink and drive, speed, and take unecessary risks. your rate will drastically reduce when you are 25(remember that is when you can rent a car personally)

Another factor is the number of incidents on your driving record(they will keep your rates up for 3 years)
You need to drive for 3 years before you become a good driver.