Just got a new 2021 Volkswagen Id.4 pro S, now my insurance situation..

Hiya! Female 21 here. I just financed a a new Volkswagen. I am looking for an auto insurance company and did some research and got some quotes. Majority of them are giving me around $350. Which is pretty rough. Before this car. My mom passed down her Ford Flex 2009. She has SR-22 though. 😬 and idk if it can affect me? My name was on there since I was driving the vehicle and I was under hers. So is this also what’s kind of shooting up my quote rate?