I suggest getting quotes from some insurance brokers. A good broker will shop around for you and should price check each year at renewal time. I've always used a broker and have never found cheaper insurance by going direct.
Also 5100 is nuts for a guy with a clean record. When I was 19 I had a VW Fox and didn't pay over $2500.
Funny but I found things a bit different for myself. At various times over the years I thought I was paying too much for insurance (actually I always think that, just at various times I actually did something about it). Every time I found better prices directly from insurance companies than from brokers. Also I had friends who got much better prices from say Allstate than I did with Co-Operators, but when I checked with Allstate they were much higher for me. I am not sure that there is any direct correlation between your own personal situation and what any given company will charge. My suggestion is to hit them all and get a price. Let them know you are shopping, it may help. One thing to beware of, never hide any information. I know someone who went through a broker and was told not to mention a license suspension from 3 years previously, so he didn't. He wasn't specifically asked about it, but when the insurance company found out, they cancelled his insurance for fraud, blacklisted him with all the insurance companies (they do communicate this type of information) and he ended up having to go to facility, which more than doubled his insurance for the next 5 years. Also, in most cases, getting your license and not being insured doesn't reduce insurance costs very much when you finally do get insurance because they still classify you as a new driver. Example, if you get your license at 16, don't get insurance or drive until you're 20, they don't treat you as a driver with 5 years experience because you haven't been insured so you are considered a new driver.
