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We have Farmers, multi-car discount. 100/300/50. The Smartie runs $496.70 per year (or more accurately, the first year). We'll see what happens after there are more on the road and the insurance companies get more stats.
I'm paying roughly $230/six months for 20/40/10 full-coverage on my Cabrio. For comparison, the company charges me roughly $400/six months for PL/PD only on my '89 Chevy half-ton pickup.
Sounds like your insurance company needs a bit of schoolin'.