Again...not here to debate but just to remind folks to at least take a look around.

My progressive premium is $1414 a year...down from USAA $1860. Not a huge deal, and but for the homeowner issue I'd have not switched.

Homeowner....get ready....$1725 verses $6666. It took a couple days for an independent agent shopping around to finally cross the ts and dot the i's, but that is quite a savings. Coverage is not quite apples to apples, but pretty darn close. Biggest difference was USAA paid 70k for 24 months of loss of use, but this policy is only about 30k. Structure, contents, and general liability were the same.

As soon as I can get my wife's life insurance somewhere else, we will officially close the book on USAA. That means a 25 year subscriber savings will be showing up...and its about double what I thought it was. Funny thing is with such an incentive to LEAVE, once they went so high on the homeowners there really is an incentive to take all your insurance somewhere else. When I was moving the flood policy the agent tried to do a sales pitch on me saying I wouldn't save anymore on the FLOOD policy moving it. When I told him "okay...but I'm passing up getting x thousand dollars back if I cancel ALL my USAA policies...." he couldn't think of a good reason for me to stay. The other agent had reminded me "its just business...", and I had to agree. But if it is just business, then I'm going somewhere less expensive.

In other places...maybe they are the best insurance. For now, however, saving 5 grand a year in this economy is worth moving some paperwork around. Maybe if enough folks do it the old USAA will come back.