So my first renewal came up for my USAA auto insurance. It's up by about $100. I called USAA to find out more, since nothing has changed on my driving record, etc. They said it's simply based on what they're paying out to repair the car. Shocker there. $100 every six isn't too bad, but I'll be surprised if this isn't an ongoing trend every six months. They said they review the numbers every six months, and it COULD (HAHAHAHA!) go down if their estimates are high.