Wow that is high premium, first of all your driving a Civic sorry but they are one of the worst rated vehicles because of two reasons: theft rates and the fact that everyone owns one. Vehicle rates are based off VRG's typically and it is statistics gathered on categories involving accident frequency, repairability, cost of parts, and some others. You'd probably pay less driving a newer Saab
not too many people own those.
And yeah if you have more then one ticket and an accident history sorry but your premium jumps and it takes a few years to get out of the system.