Don't debate and do it. When I moved to Jersey (from Savannah GA) my USAA went from 240 per month to 440. (two vehicles one motorcycle) full coverage and high coverage. That is why it took me a while to get back in a Z since if I was going to add a Z, USAA was going to jack my payments to 660 per month. I went to a local Allstate agent and inquired about 3 vehicles and a motorcycle and now I pay less than 400.
USAA has been doing many customers wrong for a while and they don't care about it. I gave USAA the opportunity to review my account (and I told them my intentions of going with Allstate) and they never did. After 16 years with USAA I had no choice but to switch since I was saving a few hundreds per month.
Go to your local agent see what they offer and ask for "drive wise" device. My main discount was for being with USAA for over 5 years.

USAA did me wrong with my checking account... Making me a victim for the 2nd time. I so hate them!!!

USAA have been doing many of their customers wrong. I don't know what is going on with them but I have found out that many service members are finding cheaper insurance coverage with other companies. When I was with USAA I knew I could get something cheaper (10 to 20 bucks per month) but that amount did not really matter to me since they could provide far better services. But nowadays I'm saving over $250 per month (yes monthly) and their services are no different than any other major insurance company. My wife's ATM card has been compromised at a rate of once every six months. I'm becoming used to receive a letter by mail stating "your card has been compromised therefore we are sending a new one soon......"
Now I'm switching completely (finances) to either BOA or TD bank.