You most definitely willbe paying well over $1,600+ a year and to even get that quote you would only get colision on your car. There is NO WAY in heck you're going to be able to have anything under a grand, no way. If you manage to pull that off you're riding on your parent's current insurance.
It's taken me 8+ years of driving accident and claim free to get what I get and I have a brand new truck fully covered AND I'm an emergency health care worker with more driving licensure than your average class 5.
Tiff, you seriously need to go somewhere else for your insurance. What you're paying is outrageous!