How is it you have all those things covered with full coverage at your age for that little? There's something you're leaving out. Is this military insurance? Do you have some sort of discount because of a family member? Is this a local insurance company desperate for business so they offer low rates like that?
I'm 37 with no tickets in 5 years, only 1 ticket ever on my record from back in 1996, I've only had one insurance claim and that was two years ago and it was for comprehensive due to a flood, not driving, and for me to cover my car the cheapest I can get it for is $140. Renter's insurance would add another $20 a month, another car would bump it up at least another $$60 for total coverage and another with just liability would probably add $40 more. An atv would add another $20 a month so the cheapest I could get it for is around $280 a month.
You're 13 years younger and with a worse driving record it seems so it should be more not less so what's the catch here?