the SC is a sport luxury coupe...what do you think? insurance for the SC is HIGH. my quote not even under my name, but under my moms name as the primary driver was 4grand a year!!!! we went with liability for 900 a year. but even that worries me as if I get my car messed with or stolen, its over, nothing backs me up. and if I ever get into an accident and its my fault, the insurance pays for the other parties damages, but does not pay for mine. I have to sort of watch where I go, and drive extra careful, but Im sure its better than shelling out another 3grand a year. Maybe in a few years, ill go with a full coverage plan if there are any promotions. hope this helps. oh yea, I actually live in Southern California, so we're pretty much in the same spot, at one time or another.