I pay $628.00 per year for full coverage insurance on my 1994 BMW 740iL. I am 59 years old and am located in rural Iowa. This is with multi-car discount with $500,000 combined liability each person/each occurance, $500,000 uninsured motorist, $500,000 underinsured motorist, $5,000 per person medical payments, comprehensive coverage of actual cash value ($50 deductible) and collision of actual cash value ($100 deductible). Insurance company is Auto-Owners of Lansing, MI.