My advice:
Quote:
http://www.credit.com/products/auto/...-Insurance.jsp
Insurance risk scores
When you apply for auto insurance, the insurer will ask you for permission to check your credit score under FCRA regulations. The insurer will then pull your credit reports from one or more credit bureaus and calculate your insurance risk score based upon this data. This credit inquiry will appear on your credit report but does not usually harm your credit score...
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If your new insurer does not levy a large cancellation fee, switch back to USAA ASAP, but "pay" the money you save in cost of premiums into an account intended to cushion you against any future, unplanned mishaps, i.e., the potential of making another auto insurance claim. Consider using the money you accumulate to mitigate the risk of changing your collision/comprehensive deductible amount, say, from $500 to $1,000; a change that should lower your premium further.