My 19-year-old daughter has a 2011 Ford Focus. She has 1 speeding ticket (75 in a 55) and two minor at-fault accidents. USAA dropped will drop her in January, calling her a high-risk driver. She is single, living at home with us. Progressive wanted something like $850.00 per month for her. Car is financed so it needs full coverage. What can I do? I can’t afford $850 a month!