You are likely wasting your money carrying collision insurance on the older vehicles. Anything worse than a paint scratch and the insurance company will "total" the vehicle. (See if they will tell you what they think each of your vehicles is worth.) It is impossible to compare premiums without more information, such as liability level, number and age of drivers, etc. I would think twice about leaving USAA. It's a good company when you have a claim. (They are all good when it comes to accepting your premium.) Also, remember to factor in those annual dividends that USAA typically pays out. But with all the hurricanes, we might not get much this year!