$1400 per year, $50 deductible, max on everything, towing, no rental, gap insurance 20% over blue book on total loss, 7 cars on the policy, over 50, two Teslas, plus house insurance and life insurance in northern VA. Get a ticket every year (2 this year), wife has never had ticket in her life. FICO Credit Score of NLT 790. No accidents in over 20 years.