You guys in Cali seem to pay a lot of money for insurance. With Geico in CT at 250k/500k I pay $766, with a $2.5k deductible. It would be $940 at $25 deductible.I'm on Safeco in Southern California. All the discounts. Combined policy for autos and home, good driving, and age. With 100,000/300,000 coverage I'm at about $1,600 for the 4C. The bulk of that is comp and collision ($905). Where are you in US?
Edit: I got a quote from Heacock for $751 at an agreed value of $55k for up to 3k miles a year, with same coverage and deductible as Geico. Hagerty for some reason is double that much. Trying to get a quote from Grundy before moving to Heacock.