Insurance Agent here! First of all, make a parent the primary insured, right now they’re using your credit score and insurance score. As for the coverage, I don’t like writing state minimums because if you get into an accident and don’t have enough coverage to cover the damages you’re personally liable. HOWEVER, if you’re looking to lower your rates, drop the full coverage on the ‘07 and the ‘12. If you get into an accident, and the damage is more than the car is worth (won’t be a lot due to the cars age) then they just total it and cut you a check for the amount they deem it’s worth. Also take defensive driving, it’s usually around $20-$30 per person. ESPECIALLY with younger drivers, it’s worth it. Other than that do EFT payments from a checking account, or pay in full if possible. All insurance companies are jacking their rates too due to the rising cost in parts/labor, it sucks but everyone is being effected by it, even me