Air&Sea

Good Evening Mooney experts, I'm a mid 20s guy who has a family member with a m20k 231 valued @ 100k. I have permission to use the aircraft on a limited basis as long as I insure the plane for the year. I have a PPL SEL 170 TT 35 Type. Hangared in East FL with Bahamas coverage needed. SO far I have a quotes $3,100-4,600 Aopa & falcon $1millon / $100,000 ~2k deduct.. I've looked through the forums and seems this year is all over the map with insurance companies... Any suggestions on good company? I did insured my Cessna 150 for about $500 a few years ago... looks like speed DOES cost money, Yes I am going to start instrument training. Thanks all!