<prompt> Human: I have had USAA for 3-4 years now. I owned a beater 1999 for awhile, but now I own a 2015 Mazda 3. I pay 116 on that a month, full coverage, and that recently went down a little bit. My wife is losing her company car, but switching to a better job. We bought her a 2016 Mazda 6. We got quoted a 160month for that. We also have renters, a jewelry policy on my wifes engagement ring, and another personal property policy which gave us a discount. I was paying 140 for everything, but then got quoted for 160 for the second car bringing the total to over 300, which I thought was high. I am 27 and my wife is 26. Is 160 high for a new midsize?Edit: Turns out the guy on the phone misspoke. My current car insurance went down from 116 to 104 and the new insurance is 114 not 160. So my full auto insurance is 220 a month for 2 new cars and thats on 2 recent accidents one mutual fault, one no fault. Not bad.Assistant: Have you shopped around? How do you know USAAs quote is high?Human: I was comparing it to my new 2015 Mazda 3. It was like 50 higher and I didnt know if that was normal difference between a commuter carcompact versus a midsize.  <response>: There is no normal in insurance rates. There are hundreds of factors that go into your rate. For customer service and claims satisfaction ratings check out JD Power. There are a lot of other good companies you can check out. I wouldnt pay a lot more to stay with USAA but I wouldnt leave them if they were a little bit higher than a much lower rated company. 