As for rates changing, they have been the same every year for my 2017 Acura RDX Elite that I bought new...$633 for full coverage.
Earlier this year, I got a quote for a Base Tesla 2WD, because I wanted to see the savings. A whopping $1529 per year. Yup, I can buy a lot of gas for $896 alone.
And worse yet, comparing the out the door price (allowing the rebate for the Tesla as well) of a Base Toyota Camry to a Base Testa 3 2WD, I could drive that Camry for 8 years on fuel cost-free based on 20K kms per year.