How much should I expect my homeowners insurance to cover?

I'm creating around 2K a month... I want to finance a CL600. They're going for about 15K-20K now... What I'm questioning is just how much it'll cost monthly plus  insurance   ... I am 19 yrs old incidentally
Truck costs have plummeted in the last year. Can accident insurance rates and comprehensive decrease in 2013 as a manifestation of less danger towards the insurer?
I am currently insured by statefarm and 19 yrs old. They recently discovered a stop sign ticket that was disobeying that i got this past year