[Rogueleader_92]

Something to remember, insurance is first based on what kind of damage your expected to do (semi vs smart car or motorcycle) with a high speed sport car expected to do moderate to high damage (this is your liability) then how expensive your car is to fix/replace so new cars that need (or should have) full coverage hit for what you paid plus more if you carry gap insurance (if you have a loan you should so that way if you end up total loss you don't wind up owing more to your lender).

After all that math they then multiply it based on your risk profile and anyone who would have normal access to that car. So YOU may have a stellar record, your wife may too but if you have a kid in driving age your going to take a hit, this can also go for any visitors who sleep in your house so if you have a drunk brother in law down on his luck couch surfing for a month it can hit your rate. Just because you say they won't be driving it doesn't mean they won't take it for a joy ride.

Then as a final ..l., they add in the risk of all the other drivers they think are on the road without insurance or with minimal coverage (there are a LOT hence you should always carry uninsured and under insured). This is a HUGE reason why rates overall have gone up, between the mass influx of undocumented and unlicensed drivers and the general stupidity of most people who wate till they are lapsed to shop new insurance its estimated about half of cars on the road are uninsured.