Car insurance rates and metaphorical sodomy

[Jewels]

So it looks like it's time for my auto policy to renew..

I have one ticket from a fender bender probably 2 years ago.

Can someone explain to me why liability only on a 98 XJ is still $1118 for the whole goddamn year through Progressive!?

I'm not sure, we pay that for 1 car with full coverage through state farm, and our cars are no older than 2002. I think the 89 jeep with liablity was like $500 for the year maybe?