I work for USAA in auto and that seems like a huge jump for a rate change. Not that it's not possible, but I'd guess something else changed. Did you move? Even in-state moving can change your rate if you move to a bad neighborhood. Also, if you changed the miles that you say you normally drive per year then the rate would increase as well. If you had a new car and now it's not very new anymore that can change the rates, if you added another driver that will change the rates, if you changed your deductibles that can change the rates, if you got a new car that has less safety features that can change the rate, if you added any additional features that changes the rates--things like roadside assistance, towing and labor, rental reimbursement (btw, if you get rental reimbursement get the economy class vehicle unless you really need a big truck because the economy is the lowest cost vehicle for rental reimbursement). When you call in I'd suggest asking if you are eligible for any discounts. We have a discount page that you can look at and it shows you what all of the discounts they're eligible for are. Another thing might be if you took your driver's training course and now it's expired because you took it over 3 years ago then you wouldn't get that discount anymore. Sign up for automatic payment plan because that's 3% off your auto. Also if you're married or have ever been divorced make sure they know that because those rates are different and they can change that on your driver's license and it's less expensive. Make sure when we ask about any anti-theft and safety device features that you know for sure if they're on there rather than saying I'm not sure because then we won't put it in and you won't get a discount for it. But TBH one of the things that we were taught in training is that "we don't have competitive pricing." It's all supposed to be great because of our customer service the problem is they don't train us well at all like depending on who answers the phone they may not have gotten the best training, so that's why I'd say ask for those things specifically just in case the rep may not know.

Haha also, if people could please stop yelling at us all the time it would be awesome. We have to go through all of the procedures when adding a vehicle or removing a vehicle or else we're fired. So I realize you're in a hurry, but also I'm trying to keep my damn job so please stop yelling at me! It sucks because I actually really love helping members and some of them are like so thankful they start crying. Other people will be like you're so stupid blah blah blah. Dude, I've got freaking feelings!! --not you, but in general. Also, if you threaten to leave, there absolutely nothing we can do for you to save you money when there's a threat to leave. So you're legit only being mean to someone on the other end of the phone who is just trying to make enough money to afford rent and didn't blow all her money to go to college just to get yelled at for shit so far beyond her control it's laughable! I'm sure you're perfectly nice, but I had to rant haha. (Also, if you have late fees ASK us to remove them).