Is car insurance really that expensive?

i Ask because i see these Commercials. that say if you switch to this or that company you can save over 500 dollars a year. Well that sounds crazy to Me. Because i own a 4x4 a Sports car and a Motorcycle and i don't even pay 500 a year for all of them. and i am 22 with one wreck and 3 tickets. i pay about 300 a year for all three. Most people i know pay Less then that. so what the heck are these commercials talking about? its no ware near that expensive For Me or anybody else i know. is it just cheap ware i Live? and expensive everywhere else? or do these commercials Lie?