To pile on the USAA bashing, I have been a loyal member for 15yrs and haven't had any real negative experiences except for my homeowners policy with them. I am a FL resident and 7 years ago my yearly cost was $700. Every year they increased it and every time I called to make any updates they also increased the premium. As a loyal member I didn't question them and assumed they were giving me a competitive rate.

When they tried charging me $2700 this year I figured I should get some other quotes and sure enough found a national company with the exact same coverage with 1/2 the deductible USAA was charging for $1500.

The bottom line is I've enjoyed their services in the past but their product isn't worth twice the market rate in my book. I think they are trying to price themselves out of the FL market and are milking customers that are too lazy or loyal to shop around. I was pretty upset I didn't shop around sooner.