i recently just bought a 2004 jaguar x-type for 12,800 with warranty included.payments is 250 a month.but car insurance is 480 a month! is there something is there a way of avoiding paying that much pay that much in car insurance..im 21 and i would like to no if i really need my car to be fully covered or can i just put the car in under there coverage. Plus i don't have the best driving record.