I'm 23 and have full coverage 100/300/15 with Country Companies. My deductible is 500 and I pay $450/6mo. Granted, I have a spotless record and am ranked as "Prefered". I asked my agent about how the SVT compares to regular 'tours and he said that it was a "15" and regular's were "10". I think this was on a 50 or 60 point scale.
