Mine WAS like that. I had a Jeep Grand Cherokee and when I got my insurance from Progressive it was only about $20 more per month. But... then the renewal "offer" came in which raised the insurance about another $50/mo. Clean driving record, garage, all the stuff. I then angrily shopped for cheaper, and nobody else even came close to the renewal offer.Interesting. My Y is less than $20 more to insure for six months than the 13 year old BMW 3 series worth $4000 that I traded in. USAA.