You said Geico....that is your first issue. They wanted some god awful amount to insure my R6, I went to state farm and pay like 360 for 6 months full coverage.
I use USAA for all my insurance except for my bike. Of course you have to be military or your parents had to be military to be able to get it. I even get a dividend check every year from them, which lowers my yearly amount by like 60-80 bucks.
Try statefarm, they have some pretty reasonable rates. Your big kicker is your age, regardless of record that is going to kill your rates.
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