I carry full coverage also through allied , $393.00 per year . I thought that was a little high so i got a quote from statr farm insurance $ 193.00 per year what i didn't know was the medical coverage was less plus if i was involved in an accident that didn't have to use oem parts to fix it with allied i have a writer to only use oem parts except for the add on's . You have to be careful and read the fine print you do get what you pay for . So in this case cheaper wasn't better .