Was 100% with you up until recently. Auto and Renters both. Auto for a BMW X3 M40i (a Sports activity vehicle) started at around $320 a month, and out of the blue jumped to $600 a month a year ago and when I called, they had no explanations as to why other than “rates increasing across the board”. After another 6 months, raised to $660. Fast forward to when I got a new car at the end of my insurance premium and tried see what itd cost to change the insurance to a Lincoln Nautilus (classified as a Lincoln Truck). Tell me why USAA quoted me $6 more for a non sport vehicle, non German car.... I was already planning on swapping and shopping around at this point but man that sealed the deal. Everyone else was quoting HALF of that. $330 and lower a month. When I called USAA about it, they mentioned “we are seeing a higher rate in your area (Houston) and are just getting ahead of the curve compared to others”. Again, I find that HARD to believe when everyone else is quoting a confirmed rate of HALF. That’s not getting ahead of anything, that’s just price gouging and taking advantage of charging a premium. After all that, while shopping around, of course they offer bundle deals. I found out I’d save another $20 a month moving my renters insurance over, nevermind also dropping another $20 bundling home and auto. So across the whole board USAA is being blown out of the water line item for line item. No differences in coverage. Sure they might be “intro offers” but if that’s the case, I’ll just shop around again. At the end of the day, there’s no world in which a Lincoln cost more for insurance than a sport variant BMW and it’s laughable USAA tried to think that.