I think its time you shop around for a different insurance company, when I was 25 I was paying ~$80 for full coverage with a $100 deductible and that is through Progressive, and I have totaled out 3 cars and a brand new Harley Davidson. Right now I am paying $63 a month and that is even with my recent accident.
And Holly all I have to say is damn.... you look short.
And did you ever find out what has been modded on your car?