I pulled the handles a few months ago and went to GEICO. 4 cars, 2x teen drivers, USAA was $305/month. EXACT same coverage, $160/month with GEICO. I have no doubt their policy service will not match USAA's, but at over $1700/year difference, I'll take crappy service and a little vacation money. Now my newest car is a 2007, so I'm not exactly concerned about losing a bunch of cash if things don't go my way in a claim.