When I was 20 with a clean driving record (well ok, I got rear-ended by an uninsured two years previous in mom's car) I drove a '92 Legacy L wagon. That was in '97. My insurance was $2200/year. I called Geico up and told them I had USAA and I paid $2200. The guy took my info, ran his figures, and told me he could sign me up right now for $400 a month. I said, "Dude, that's more than twice what I'm paying now." He said, "If you have a credit card I can get you signed up right now" again. Whatever. I hung up on his lame b*tt.
Never even considered calling them back. Try to get all sneaky with me. I'll show them.