Just bought MS 75D. After multiple quotes, and coming from another state, insurance rates seem high here in Vegas. For 250/500, 500 ded, etc, with house and umbrella insurance in a package, the quoted annual auto premium ranges from $3100 to 3900. Accident, violation free. Anyone care to share their premium, company and/or experience. Thanks. PS - in Nevada, are insurers required to pay full Tesla repair charges?