Can someone explain why after adding renters insurance, the auto policy increases as opposed to getting a discount? Why has the basis changed?

1. Questioning the honesty, credibility,
truthfulness and integrity
Of Farmers Insurance Group
Agent: Graham V. Hebson

2. On June 29, 2016, my credit card was charged

3. Vehicle 1 Kia $849.10+.88+15=$864.98 6/29-12/29

4. Vehicle 1 Kia $849.10+.88+15=$864.98 6/29-12/29

5. Change after getting renters insurance

6. Change after adding renters insurance from $864.98 to $970.80 increase by
$105.92

7. Auto policy canceled on 9/7/16. Farmers basis 8/8-2/8 $301.20

8. Lucille’s accounting:Fred Loya insurance effective 8/6/16 canceled Farmers

9. Lucille’s accounting:
1311.66Prem 6/29/16-12/29-16
430.8 Steve's car 33%
Fees 31.76
check he wrote 7/17 455
24.2
15.88
446.68
change to Steve 8.32
start 29-Jun
end 6-Aug
used 38
Amount I was charged in cc 1311.66
Amount I was refunded 505.57
806.09
Amount for 6 months policy for two cars 1311.66
Steve's portion 33%
Steve's $ portion of two car 430.8
Lucille's portion 880.86
Daily of 6 months 180
Daily insurance rate $ 4.89
Used days 38
Used insurance 6/29-8/6 $ 185.96
Lucille's portion 6 months 880.86
Minus used portion $ 185.96
Should be refund $ 694.90
Amount I received as refund on cc 505.57
Deficiency $ 189.33