I went with one level less than I have on my car- so I’ve probably got way more than I need, but at 360 a year, I’d rather have too much. My S40 is fairly new (2007) and it is a 650- so that accounts for some of it. I started with allstate- which is where I have my car insured- and they ended up screwing up the policy and I got quoted 1500/year from them. I went next door to progressive and walked out with the 360 paid in full for the year. Shop around as much as you can take- for the same coverages geico quoted me 600 and some change- the prices will vary wildly.