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Wow, I have no idea why you have those numbers! I guesssome important details must have been left out?

I have two vehicles less than 5 years old, with two drivers, with way more than $300k coverage for liability and comprehensive, and a $0 deductible by one of the top/largest insurance carriers in the U.S. and I pay $75/mo, total.

I'm not sure why you're paying $1200 a month for insurance but that's not the norm for US based auto insurance at all.

I'm not. I pay 300 a year, but i don't even cover my car.

But yesterday i did the car coverage for a used 09 bmw 128iC.

Couldn't get any lower than that on several websites

I pay more like $200 a month for a significantly more expensive car in Palo Alto. I have a clean driving record and a mainstream insurance policy. You should get competitive bids!