They are all crooks; as I said before, I have a 2015 S 85, a 2020 3 LR and a 2023 Y RWD all at ~$800 PA with Allianz.
All policies have excess ~$1500 and one included windscreen; low km ~15,000 PA helps.
No limit on drivers as I have a P driver (law stops him from driving the 3).