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If you don't mind me asking, what city do you live in and what city do you commute to? If your record is basically clean that is the only reason I can think of for the discrepancy. Hopefully AAA has a better rate for you, though they do charge a membership fee, but they have good usable discounts for being a member so you can usually make it back within a year in discounts.
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Detroit / NWOR SCCA Member
2005-06: #192 ES 91 MR2 N/A Hardtop
2007-08: #54 STX 05 WRX Sedan
2009-12: #92 BSP/ASP 07 Solstice GXP
2013-14 : #192 CS 13 Subaru BRZ
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