I had USAA for years on autos. Got married and wife had farmers on house. I wanted same for both due to discount, and Farmers won. The prices were close, but thought easier for me to change auto ins. FYI - my Dad was in Military, that’s how I qualified for USAA… might go back, Farmers played games on me during ice storm last year, where USAA always came through (on autos in past) quicker than I could call, ALMOST. Good to read why insurance is so high.. I just keep paying and SHOULD be shopping around. Good thread = thanksJust answered my own question. Looks like I don't qualify for memebership with USAA, No immediate family in the military. On to the next option.