My new policy, reflecting clean record, locked garage, agreed value, "no racing etc.", no driving in really bad weather conditions (not gonna happen anyway), with pretty substantial full coverage including uninsured/underinsured motorist, reasonable deductibles of $500 & $250 collision/comp., and their included endorsement for allowing a drive to work "no more than twice a week", limit of 6K miles per year, my cost $340.00 for a year. OK by me, and all in writing.