Have had USAA auto insurance since 1975.
Had to shop for better pricing in Virginia, and again in Florida - USAA prices 2-3 X. Then last year their price better than the small carrier in Florida on our new house.
Also have $3M umbrella with USAA - about $1200, but includes three cars, boat, five rental houses, and current personal home.
Arguing with them now about $250 a year increase in rates to cover $20,000 solar system I’m considering - which they say adds $73,000 in value. Nutty company.
I liked USAA better when they only covered military officers. Low risk pool with extraordinary service. Then they started selling mutual funds, financial services, etc and quickly became non competitive with Vanguard, TRP, and Fidelity.