Funtions of home insurance?

I acquired a quotation online from esurance. I'm live-in Mi and 18. I want to fund the car and was only taking a look at quotes but this looks a little outrageous. Does it seem directly to you?

"Does the deductible issue? Does points change? & most importantly"Buying truly cheap auto insurance price in UK? Trying to look around a bit if everyone has any tipsCar insurance. A question about auto insurance .?

I'm presently 19 years old and I desire to obtain myself a brand new car. It'd be about 200 dollars monthly for your current car i'm operating for motor insurance nevertheless it is within my dads name so I just spend 80