hey, i've been an insurance agent in TN for 9 years & i usually get asked the same question you're asking.
here's what makes the difference on the rate (again, this is TN but its generally this way)
your age
who the "primary driver" is
your driving record
your credit (believe it or not, if you "take care of your bills" they think you'll be a better driver... i don't agree 100% on that one...
how much the car cost brand new (b/c of replacement parts, etc)
you'll benefit from your parents insurance b/c of the multi-car discount. there's shouldn't go up b/c your a driver, only yours. (again, i'm talking TN)
it doesn't do any good to put it in their name b/c the thing they want to know more is WHO is the primary driver, their age, driving record...
also, alot of folks think that V8 or red kills you... on mine there is not a spot for color & it can tell from the vin if its v8 or v6. the bigger factor there is like i sd originally, what it cost brand new.
my brother, grizzly44, just got his 2ss in VR on friday & he's paying $420/yr on his in MD. not bad.
BLKnCHRME09Deluxe... you're paying WAY too much imo!! you're in kansas city, call a shelter insurance agent in your town, i would think they could do better. that's who i'm an agent for in TN.