Aren’t most questions like this are simply looking at what approach you try and not a solution? They’ve been at it for years so they can easily tell if you’re trying something that makes sense or something trivial even if they don’t have a solution or even if there isn’t one.
Two cars (~$50k each), two adult drivers, one accident in the last 7 years, no tickets = $453/mo. Fuck California and the weak cunt Newsom that can’t get these greedy fuckers under control.