<prompt> Human: BackgroundMe 24f boyfriend 23m recently got our licenses and are in the process of getting a car. My mother is buying the car and itll be under my name. Looking at a 2018 Prius, if that matters. I am a USAA member and planned on getting insurance through them, however...The ProblemEven with various discounts automatic payment, good student discount, etc.. I am consistently getting a quote for 400 a month from USAA. Even when I take all he coverage down to the bare minimum, the payment is at the lowest 300. We can simply not afford this. Period. I was imagining paying max 200 for both of us, and even that was going to be a bit tight.However, every post I look up about USAA insurance says its amazing, lowest price possible, etc etc. I just dont know what to do. Were both new drivers and have never dealt with this kind of thing before.How do people afford car insurance?? Is this a reasonable price? Should I ditch USAA for something else or is that going to come back to bite me later? Insight would be so very welcome.TL;DR USAA is quoting me 400mo for car insurance, I cant afford it. Is it worth checking out other places or is car insurance just going to be expensive no matter what?  <response>: Get quotes from other insurers. Also get quotes for priuses that are 2-3 years old and compare. If the insurance is still too high, you cant afford a brand new car. No point in buying the boat if you cant afford the gas. 