You need to remember you credit score is a HUGE variable in your rates.
I sell for NYCentral, Progressive, GMAC and a few others...Your age doesn't help you much but if you had your license more than 3 years that helps...We are in presently negotiating w/AIG and Encompass..
Encompass (Allstates independant company) or Allstates rates are good. I'm not a big Geico fan. I've had clients that got a nice 6 month rate but after that it went sky high. If you live on your own, I'd suggest a major carrior like Allsate but get a renters policy as well. You get a multi-policy discount that way. Some carriers will give you standard rates at 25, some 24 but they all have their own rules.
Make copies of your insurance put your drivers license, DOB and SS# and drop/fax copies to you local agents. That way you they can give you an accurate quote otherwise the quote wont mean ****.
Good luck, but your credit rating is a Major issue...