Check with local companys, I found calling geico and progressive are much more if you go through them but if you have a agent go through them its much cheaper for me at least. Also get in touch with the company your parents have if you live in same house you can get family disc. and much more. also tell them you got a alarm and a bunch of safty stuff. I said I had air bags and anti lock brakes on a 1984 gmc truck and they believed it.