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There's an outfit out there called Mercury Casualty that gives somewhat better rates to young people -- especially if you qualify for the student discount. You buy it through independent agents. If it's available in your area (may not operate in all states), it should be listed in the phone book under insurance, alone with the number of local agents who offer it.
Different companies charge different rates to different groups, based on the kind of customers they actually want to have. Based on the fact that you're a) young, b) male, and c) have a sporty car (I assume, don't know the Beretta), Geico considers you a high risk and not worth the business. Other companies, who see business opportunity in the young-driver market, are willing to offer lower rates IF you meet certain qualifications that generally mean lower-than-average risk: clean record, good student, etc. Geico just doesn't want to bother.
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