What are your policy details and who is your provider for <180$ for "thorough" coverage?

Comprehensive, collision and 500k liability through USAA, $120/month. Deductibles are as high as they will allow, which is $1k IIRC. I was recently forced to consider a move to Utah. Thankfully I didn't end up moving, but a quote for the exact same coverage in SLC was just $40/month.