I pay much lower as well. There's so many factors that go into your rate. I pay $41/mo for the the 99 SE-L and $46 for my wife's Xterra but I keep comprehensive w/$100 deductible on both...that covers hail dmg, glass breakage, theft, animal collision, fire. I also have Personal Injury Protection, Uninsured/Underinsured motorist coverage, rental, and emergency roadside assistance.
Other factors that determine your rate include your age, if you're married, driving record, credit history, where you live, what you drive, how much you drive... other insurance you may have with the same company can get you more discounts like a multi-car or multi-line (homeowners or renters, life ins, umbrella), defensive driving, or good driver discount. If you're under 25 and in school with good grades you could qualify for a Good Student discount...there's also the Steer Clear discount for youthful drivers...
I sell State Farm Insurance.