Left USAA last July. My rates with State Farm (2 homes and 3 cars) went down over $150 per month. Got my 6 month auto renewal from State Farm the other day. First thought was "here we go, the old bait and switch. "Rates went down another $3 per month for auto. Also got Subscriber Savings Check for $8K from USAA. Guess we will se if this was smart when it comes claim time>