i bought my 16-650 a month ago. i'm old and have a perfect driving record and, most importantly, a high credit rating. i have collision and comp, with liability and roadside assistance, along with accessory coverage to 3g"s. my deducts are $500 each. if i have no claims, they will disappear.
my premium is $181 per year, paid in advance, lump sum. took some negotiating. progressive.