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Here's the ultimate USAA praise - I'm an insurance agent, and my coverage is with USAA even though I don't sell any products of theirs. They've helped me out of several jams, including some homeowners issues that couild have been nightmares.
As far as insurance in general goes, an insurance carrier has the right to raise your rate at renewal if they want. If they are doing it in the middle of the policy term (most personal auto policies run 6 months at a time), then that's illegal. Generally speaking, I find it surprising that they would do it at all unless there are some bad circumstances that they're seeing. Things that would count against you are your age, the amount over that you were speeding (15+ would be a big red flag), whether or not you have other tickets or accidents, your job (if they just figured out that you're delivering pizzas, they'll charge you extra), etc. I would call and ask since the customer service folks have never been anything but extremely helpful for me.
Good luck!
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