I carry full insurance on both of my cars. State Farm is the only insurance carrier who can beat my rates because they operate on a seniority basis, offering lower rates for customer loyalty. Here's what I would pay for coverage on my 18 year old Mercedes through GE:
Bodily Injury Liability:
$50,000.00 per person /$100,000.00 per occurrence = $129.10
Property Damage Liability: $25,000.00 = $ 60.10
Excess Medical Expense: $1,000.00 per person = $ 8.40
Uninsured/Underinsured Motorists Bodily Injury:
$30,000.00 per person /$60,000.00 per occurrence = $ 22.80
Actual cash value minus $500.00 deductible = $ 58.00
Towing & Labor (Road Service):
$50.00 per disablement - INCLUDED
$25.00 per day to a maximunm of $750.00 - INCLUDED
Actual cash value minus $500.00 deductible = $123.50
Total yearly premium - = $401.90
If I understand your figures correctly, you pay $309.74 without collision, so if I deducted that from my projected policy, I would be paying a whopping $278.40, a whole $31.34 less per year than you.
And I know the answer to the trivia question, but why spoil it for someone else?