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Am I paying too much for car insurance? Advice?!?

I'm 19 years old. Has had my license since I was 16 1/2. No tickets or accidents. Right now I'm paying $150.00 a month with my current insurer (which is based off my Mom's) I recently searched and Liberty Mutual is giving me a quote of $79 dollars a month which is obviously a whole lot cheaper. How easy is it to switch and is there a down payment? And any other advice you may have. Thanks.

   








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I'm 19 years old. Has had my license since I was 16 1/2. No tickets or accidents. Right now I'm paying $150.00 a month with my current insurer (which is based off my Mom's) I recently searched and Liberty Mutual is giving me a quote of $79 dollars a month which is obviously a whole lot cheaper. How easy is it to switch and is there a down payment? And any other advice you may have. Thanks.


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I'm 19 years old. Has had my license since I was 16 1/2. No tickets or accidents. Right now I'm paying $150.00 a month with my current insurer (which is based off my Mom's) I recently searched and Liberty Mutual is giving me a quote of $79 dollars a month which is obviously a whole lot cheaper. How easy is it to switch and is there a down payment? And any other advice you may have. Thanks.