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It's interesting that you can get so much more coverage for so little cost. Your laws regarding cost must be very stringent. I certainly wouldn't mind paying what you're paying for the coverage you've got. I was paying $600 per six-month term ($1200 annually) for the paltry $10,000 property liability and $10,000 personal injury liability required by law. What always bugged me was paying so much for so little, and I know the insurance company jacked the rates up because they know that you have to be insured to drive lawfully, and have to pay whatever they tell you.
My private, standard, insurance for my private car, with no intent to be used commercially is insured up to 10 million Euro (damage to persons). That is a very normal rate, I doubt you can even get a lower one.
Holy. Shit. No wonder driving is so expensive in Europe! Do you mind me asking what that policy costs you per year? I have $10,000 property, and $10,000 personal injury coverage (the least allowed by state law) in an effort to curb my insurance costs, and it sets me back about $400/yr. I would be paying several thousand dollars per year for coverage in the $100k range, I can't even imagine what it would cost to get into the millions.
Tesla is doing damn near everything right in order to grow a brand. There is nothing more desirable in the price range today. My old oil burner will last me long enough to see a Tesla model I can afford (It'll take a while to fill in those next 300,000 miles) thanks to the kind of quality Mercedes USED to offer in a vehicle.