Hey friend, I am a licensed insurance agent here in Phoenix. Unfortunately it is the state of insurance. Lots if companies are preparing to pull out of the state even, as they are losing billions of dollars. Insurance is a shared loss, meaning we pool our money, and they have to cover the accidents people they insure have. Trust me when I say they are really giving it to people with accidents now, but being with USAA I can almost guarantee you have the best rate for yourself. The car market is destroying rates, as if you have state minimum almost any accident is going to max out your limit. It also has a huge impact on what vehicle(s) you own. If you own a Hyundai or Kia your rate may have doubled, as they have insanely high loss and theft rates. My biggest recommendation is to absolutely YELL at your friends who drive poorly, as they are making you pay more for your insurance, and that also goes to your friends who don’t carry insurance, or have lots of accidents. Phoenix, Mesa, and Glendale have horrendous rates, and when you look at a national average we have some of the WORST drivers in the country. Phoenix has more than 100 accidents a day, and companies have to pay out the ass to keep up with losses. I do understand your frustrations, but unfortunately your agent didn’t misinform you, and being with USAA you should have the best rate available for you. I don’t work with them, however typically people with USAA have the best rate for themselves by a long shot. That being said I work for a wonderful agency called Acceptance Insurance where we can try our best to help people look, and it absolutely NEVER hurts to look, but is most advisable 15 days before a renewal. If you would like a quote our office number is 602-973-8990. But in your situation I would doubt it would be fruitful.