I also have AIG and it's about $1400 / year($700+ /6mo, sorry do not remember exact number since I have multi-car policy). All discount included. ... Hm-hm, possibly not all, since DrX has it(terms he mentioned are pretty much same) for almost 50% less ...
Also about 'highest rates", - in my opinion it's state-wide comparison. It's obvious that vip9 is upset by his rates, but NYC, being the Capitol of the World, not whole NY and, I guess, everywhere else in NY rates are much lower.