Too high insurance rates. Guys bargain hard. Should not be more than 2.7 or max 3.00 percent. I got mine for 1.98 or 2.0 percent from AGI with tracker, though I did not get the tracker installed.
When I was buying 1.6 I called several companies and got their rates. My Mehran had already AGI insurance at 2.7 percent for two years. NJI offered 2.5 for 1.6, I got back to AGI and told them that look I am getting 2.5 so they offered by little less than 2.0 as special rate. I pay 49300 rs for Altis 1.6, 2015.
TPL was offering 3.9 percent or you can say 4.0 in their car-for-car package. But it is much to pay for nearly 80,000 per annum.