l probably will get some deductions since l am a straight ''A'' student, etc.

is $200 a month to high?

Things that make insurance go up. Fast cars (not yours), very young or very old age (you), male (you), and past driving history (you do not say yours).

You have at least 2 of those. Its gonna be high. It will slowly drop until you are about 25 if you stay out of trouble. l believe marriage helps too because it shows you might be less reckless.