<prompt> Human: My 2006 350z has been under my parents auto insurance plan for 11 years now, which is partly due to the multi-car discount and partly due the need for high coverage. The policy is with AIG, and my portion of the payment is 1250year at the moment.Im now looking into selling my car and buying a much, much nicer car - a Jaguar F-Type. However, the rough quote I got from AIG was 5,085year!!! Im a 29-year-old single male, so I get why it would be pricey but isnt that an insanely high quote?Then I tried getting quotes from a few of the popular auto insurance companies using similar coverage terms, and while I got a few that were cheaper 4200, 4500, I also got one for 9000... crazy.Do I just need adjust my expectations for car insurance here? Could I lessen my coverage amounts to average levels and instead rely on an umbrella policy for anything major, or does it not work like that?  <response>: Relatively young single male in a sports car that starts at 61,400 with 340 horsepower? You meet every single requirement in the book for obscenely expensive car insurance. Couple questions - is the car going to brand new? How much is it worth? Specifically how much is it worth compared to the 350z? If its worth 5 times as much which it very well may be, then does 5 times higher insurance seem so crazy? Do you own a home or not? 