doing a little homework for my folks. cars they would be insuring are an '03 ML320 and an '04 Cayenne S. did a search and found some positive comments but would appreciate any additional first hand experience. the online quote i got from progressive was literally over 50% cheaper than USAA (the new car is the Cayenne which is replacing a '99 ML320). don't mind paying a little more for USAA b/c their service is impeccable, but this was pretty dissapointing and surprising to us. USAA's quote on the Pepper was INSANE. i kept asking her if the VIN was pulling up a Pepper Turbo or an Enzo or something it was over 3x what it cost to insure the '03 ML. TIA.