Yeah, according to State Farm, it's entirely in the comprehensive portion of the insurance, the liability isn't an issue at all, and they said it's entirely because it's a new car vs. a 13 year old one. It will be an uphill battle to convince Michele to even think about leaving State Farm, she's been a loyal customer since her teens. That said, I'm wondering how much I can bring it down by only insuring one driver, as she has no interest in driving stick.
LA's expensive enough that I could really just eat out less often and break even, but it's still jarring.