Don’t use XM, not even when it’s free. Despise their marketing with showing their price but leave out taxes, fees, and other costs. I recently replaced the low end radio (which included support for XM) with a touch screen unit with Car Play (and no XM). I can connect iPhone either by USB cable or Bluetooth/WIFI , listen to all my music on my phone, stream Apple Music, send and receive TXT messages via voice, listen to free radio, navigate with Apple Maps, and there is a “radio” feature for internet based radio services.
I will say the USB connection is more stable than the blue tooth as it seems to drop out from time to time.
If you don’t need all the features, and our existing radio has an AUX in connection just plug your iPhone in.