We had USAA auto insurance when we moved here 5 years ago. The premium increased every 6 months, and really jumped when my Dearie hit 70. So we shopped around. We saved several hundred dollars by switching to Allstate.
My hunch, USAA claims low rates. They can only do that by keeping claim payouts low. When you move to a high-claim zip code, or hit a statistically significant age or other demographic, they raise the rates. If you leave, they won't care.
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