I pay 2400$ a year with State Farm to fully cover my 2012 RGC and all the goodies, a Cadillac CTS-V, a GMC Envoy, and a Ford Expedition. My CTS-V is almost 80$ a month buy its self. I have had no tickets until recently, LOL, and I am pretty happy. I have not had to file claim ever but I have been assured from my agent that I will be fully reimburst for any extras I put on any vehicle so long as I have a receipt..... Our home is insured through SF as well but that is handled through Escrow, and it does help with our discounts to.
As far as why the rates vary so much it has alot to do with your geographical location the way I understand it.
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RGC Vivid Black,Yaffe extended BagsRC Components "Calypso" Chrome wheels,with matching rotors,HHI Stripper Bars,CFR Slip-Ons CAT Removed