I hate that they have internet forms, and then they still have to call you to do the estimate. so stupid - could automate the whole process, but nooooo.
I have a company called Arbella, I pay $299 a month, I'm 25 (only been driving 3 years), one car, no moving violations - but I'm in MA where the insurance is all regulated - they all dick you over the same.
here in MA it is pretty much all based on how long you have been driving - there are some other factors like how much the car costs and such, but the largest factor is the time with a MA license (even if you have driven for 15 years out of state, they will still treat you like you have never driven unless you jump through hoops to proove to them that you were good in that state).