that's a lot of cash, are you a young driver? mine is around 1200 a year, for both me and my wife, we are both 37. and I had at at fault collision 2 years ago that had a claim of almost 6000$ dollars.
If I went to a $500 deductible for collision it would cost me an extra $50 per year, no big deal.Deductible is very important, can change a lot how much is the premium.
I have it for $500.
Depends on area and policy. I carry the maximum legal limits, and pay $2000ish/year. The only way to get better coverage is a $1M USD umbrella estate type policy.
I went from a '07 VW GTI to a '16 CX-5 and it dropped about $400/year. Currently paying $1000/yr thru Geico with $500 deductible and mechanical coverage!