You really just need the little table they provide to figure this one out, but here we go! <span>First, you must find what class the person falls under. For this, it would be Class 3 since it is used for business purposes, but no male under 25 has driven it. You then find the premium for 100/300 under class 3, which is $549.70 and the property damage of 25,000 (The 25 in 100/300/25 means the damage in thousands), which is $98.20 and add the two together. So the total premium would be $647.90 in total annual premium.</span>