Julia primarily uses her minivan to transport her grandchildren, Vera, Chuck, and Dave, to and from school. She has 25/100 bodily injury and $50,000 property damage coverage. Julia has a $50 deductible for both comprehensive and collision insurance coverage. Her driver-rating factor is 1.75. Her van is classified as B, 12. What is Julia's annual premium. Sadie can lease a vehicle for $219 per month for 36 months with a $2, 399 payment due at signing, or she can lease the same vehicle for $280 per month for 36 months with $0 due at signing and no payment the first month. In both cases the title fee is $95 and the license fee is $99. What is the total cost of the lease with the lowest total price