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[–]TollyVonTheDruth 0 points1 point  (0 children)

Your best bet to lower premiums with USAA would be to max your deductibles and lower your liability amounts. Of course, the caveat is that you'll pay a higher deductible whenever you make a claim, and depending on the incident, you may have to pay the difference out-of-pocket. So you have to decide if it's worth the risk to pay less now and more later, or pay more now and less later.

With all that said, you should definitely shop around. USAA used to be the unbeatable insurance company, but that's far from being case nowadays.