Yep, getting a huge insurance package with the same insurance is always gonna yield a better price. I have my VX, WRX, and home insurance on State Farm. They consider it a package, but my vehicle and home are paid in different statements. I cant complain really, especially since I have had a few claims on my cars in the passed 5 years, none of which increased my premium.
Both cars, combined monthly, I pay roughly $120 - full coverage with the WRX driven over 15k miles a year and less than 7,500 on the VX.
Of course, age, driving record, claim history, and location always play a pretty big factor, so there is no such thing as that "One Universal Rate", heh.