Yeah, I would also get a new quote before you write it off as too expensive. The only reason I had to get rid of my '94 pickup was to help pay for the 4Runner. School and work left large demands for confortable highway commuting and little time for offroading.
USAA was actually great about insuring both trucks at the same time, while I transitioned between them.
I regret selling my truck, although I know I had to. I got a fair price, but if I had the $, I would have kept both.
Just do some research before you do something you might regret later.