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let me add some info here to a few good stuff that's already been mentioned by a few people.
like mav mentioned, there are SEVERAL individual factors that can and do affect your rates. doing a blind comparison is not only useless, but can be misguiding too. i used to be an insurance broker in DTLA for a few years back in the day. first off, you need to re-assess your coverage limits on what fits you. you have pretty high coverage, which isnt bad, but unnecessary if you don't have a lot of assets under your name (i.e. real estate, liquid assets, etc.). DTLA zipcodes (90010, 90012, etc.) aren't really "high" claim zones, but they're definitely not low either. TFS minimum requirements for loan qualifications on a vehicle is 100/300 bodily injury and 100 property... but this is only applicable to TFS LEASES. when TFS finances a car, you just need to carry state minimum of 15/30 BI, 5 PD (i think this is what the minimum was, can't remember since it's been awhile). This is REALLY low, especially in current times. 5k in property damage means your insurance will only cover up to 5k in damages to another vehicle/property... so if you rear end a rich kid's bentley or even something like a regular BMW 3-series and they incur more than 5k in damages, guess who's responsible? YOU. your ins co will pay 5k, and then the rest of the amount, the other party's insurance can go after you for it in court. this is why a lot ins companies/agents will suggest at least getting 25k for PD since the rate increase is usually only a few dollars a month but you'll get 5x the coverage over minimum.
we don't know hardly any info on your background and life and financial stuff, but just from what you posted, im pretty darn sure your specific premiums are that high because your agent got you unnecessary high coverages so he/she can get a nicer commission off your monthly 250 rate. ive owned 2 cars in the past through TFS and my current FRS is financed through TFS... they dont require 100/300/100 coverage on financed cars. But they will demand it on leased cars (almost every OEM finance arm will require the same too) to have the 100/300/100 requirements and also to provide proof of that insurance every year.
good luck.
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