Funny you say that, because State Farm is who I'm currently getting that excellent rate from. I forgot to mention that renter's insurance was covered in that payment as well. I was with allstate for eight years paying $108 for liability on a 2004 and 1998, then when I got my 2008, They told me it would be $134 for $1000 deductible full coverage just for my car alone. State Farm offered me $77 for Full Coverage $500 deductible on my car, liability on the girls car AND renter's insurance. After getting the 2013 for my lady, it went up to $106 (this included full coverage $500 deductible on her car as well). We were flabbergasted when they presented the premium and we kept asking them if it was a mistake because we didn't want to sign the paper than end up owing them more money due to some clerical error. According to them the price comes from 5+ years of no tickets/accidents from both drivers and the fact that I drive less than 35 miles a day, but the mileage thing is only a $10 discount.