You may look into another company, for auto insurance depending on where you live in the U.S. the rate could be better than USAA. I did a comparison and shopped around myself. I looked at travel..s, progre..ive, Liber..y Mutu..al, stat..e fa..m, allst..te, farme..s and gei..o. Then I compared customer satisfaction and decided to go with Liber..y Mutu..al. I'm now paying $21 less per month for better covereage. Same deductible same free coverages, but for some reason the medical payments were better under Liber..y Mutu..al's plan, by about $5000. The amount of savings made me shop around for home insurance and I decided to go with progre..ive, USAA quoted me $981.12 progre..ive $444.84 (now how do those companies come up with quotes that different). I've had USAA for a little over 5 years now time to look elsewhere. I've learned the hard way, always shop around or expect to get robbed blind. (for some reason you can't post other companies names unless you spell it a certain way...interesting). P.S. always check customer satisfaction I found even better rates, but when I looked at consumer complaints for each company I decided to play it safe and still saved money, I could have saved even more, but I didn't want to risk being stuck in a bad situation.