Car insurance is so high

Hi im 25 F and got my licence a year and 5 months ago and recently got a 2025 toyota corolla, my whole family uses USAA but they are charging me $408 a month for basic coverage with a $1000 deductible ($2042) i got a quote for progressive for $115 to start and $289 a month with $250 in deductibles ($1375) my mom keeps telling me that they are a haggle to deal with and i get what i pay for, USAA is such a huge amount to pay every month should i just move to progressive? my car note is $600 (i know its alot my credit is shit and plan on refinancing once its better) but to pay basically a whole check a month for my car is wild