We pay 3600/yr liability with Allstate for 3 BMWs (all ~11-12 years old). Family of 4. Live in the Bronx. No DUI's or suspensions.
Dad (late 50s): 1 cell phone ticket in 2012. No accidents
Mom(late 40s): 1 at-fault accident in 2013. No tickets
Myself (28): 2 not-at-fault accidents in 2014...