Im with just car and am paying $2314 a year . .
I thought it was ok for me since im 21, lost licence for wreckless, lost it for points a month after i got it back from wreckless, had 3 fines (1 point and 8 on double demerits and 3 for insufficient light in the hours of darkness . . thats what the fine said)
But ive never made a claim or had a crash . .
Oh and i drive a 93, mark 4, twin turbo, 6 speed supra, so thought it was ok