Dump USAA for car insurance last December. Twice as much as the GEICO policy. Less than a month in to the new policy daughter found lightpole with the car. Lightpole won and car totalled. Claim process went smooth and after a little negotiation "(while deployed) and reexamining similiar cars through their third party evaluator came away with a reasonable valuation on the car. Called USAA just for grins and found out they used the same evalutor for determining car value. Rates for now, just renewed, didnt budge. I will assume since it was weather related it wasnt held against us.

For mortgages and car financing Pen Fed has some great rates. Refi and financed an used car (1.49 %, 60 months for 11 yr old car..basically free money) through them this past year