Sweet deal, can't wait to get that in the mail! We pay less than $2K (before the dividend) on my '01 Cherokee and my wife's '03 Liberty. Both have full coverage, and we live in Bergen County, but we're "old" so that helps.
Edit: We've had them for years too, and they've been great with claims and such. I had a Sebring 'vert get totalled a few years ago and they paid what the car was worth, no questions asked.