Well be happy your not paying 620.00 a year like I do out here in Nevada.I have 100,000/300,00 body and property liability and the same for uninsured underinsured coverage.Comprehensive and collision are both 500.00 deductiable.Plus I have a additional equipment coverage also with no cap.I am with American Family insurance as our two other vehicles and home are also with them.I checked around and most other quotes were right in this range for my area.Hard to compare prices cause it depends on age,driving record,and types of coverage to compare-plus credit reports come into play now to.