Called USAA about my premium nearly doubling ($800 to $1800 per 6 months). They reviewed everything—longtime customer, multiple policies, no claims—and still had no explanation.
So I left. AAA gave me better coverage for $850/6 months. Even after someone rear-ended me last year, my rate is holding steady. Might move my bank and credit card away from USAA too.
A $200 savings every six months isn’t worth it. USAA’s claims process is so smooth—had a shop and a rental set up within the hour, all through my phone.