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Roman D,
Just a thought: rather than shopping for car insurance A'la carte, it may be worth checking with your homeowner insurance to see if they offer car insurance that can be bundled into that policy.
Some do, some don't, but we have had our house, umbrella and 3 cars/3 motorcycles with the same agent and company underwriter for 14+ yrs and the line item costs for each 'thing' are much less, in that bundle.
I am a Geezer and we don't live in metro NY anymore, so it isn't a real world comparo, but maybe worth an inquiry.
GL, mD
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