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Originally Posted by FRPLG

Also USAA's insurance is often more expensive because it is better. The term sheet may match but they are simply the best to deal with by a mile. They don't have to squeeze every penny out of their customers so they focus on not being dipsh*ts like all the other insurers who have a responsibility to maximize shareholder value.

I have a friend who works for USAA as a cliams MGR and he could tell you other wise. Even though they don't have stockholders if they do not control cost their rates go up and if their rates get to high they have people like me taking away their customers. The kicker to that is usually the best customers start to leave first making it even worse. That cycle happens to all insurance companies at some point and as an agent its not much fun.