What can I do about my insurance?

I’m a 21 year old female and and I’m on my mom’s insurance plan (includes 5 vehicles). I drive a 2002 pontiac grand prix and I pay $200 a month for full coverage with allstate.

I don’t have the greatest driving record by far. I’ve only been driving for 5 years and I’ve had 2 speeding tickets, 2 at fault accidents, and 1 non at fault accident. My last accident was in 2009. Unfortunately, I was driving through virginia and got a ticket yesterday.

I’m just wondering if that price sounds right for my insurance. Is there a company that offers lower priced plans? Would getting on my own plan be more or less expensive? Is there anything I can do to lower the price (like renter’s insurance or something—I don’t live at home, I rent my own place with my fiance)?