It also has to do with where you live as well. I'm surprised mine is so cheap ($94 a month for a posted 22,000 miles a year). After I turned 25 it dropped to $75, but then I got in an accident so who knows where it's going to jump to.

Try another company. I use Geico and even got a 5% drop for doing monthly "paperless" transactions and another 5% just because I use Bank of America.