My wife, Ellen, did extensive research on insurance...replacement cost, collision, liability, and of course deductables. Our rate mirrors what Jeff had stated for the annual amount. We selected a company, Twin Peaks, that was not tied to a particular state. Our former carrier, State Farm, required the vehicle to be in the state of the local office. Each time we move with Ellen's job we had been subjected to new rates, fees, and re-applying based on locale....major PITA. Ken