I've never heard of insurance rates on a car that low. Never. Unless you had a family member that was the CEO or a board member of a big insurance company. Big Al had the right idea. Insurance will surely look into all of that when you get into an accident or get a ticket. Then your whole family is bound to get dropped AND face charges of insurance fraud. Insurance costs a lot for this car. There's no way you can get around that, legally.

And to answer your previous question about costs for maintenance, a good amount. As solid as the XF is, all cars of higher mileage are going to need something fixed, and without a warranty (which this car you're talking about is without) it's going to cost you much more than you can afford.