I have been thinking about getting some quotes from competitors because yes, they are getting a little pricey.I dropped USAA several years ago for both auto and home after they priced themselves out of the market. When I first joined USAA back in '84, they were great. They had low rates because they were very selective in who they let in (only officers). Then, they slowly started opening the gates to where today almost anyone who has ever been connected to the military or related to someone in the military can join. Each time they loosened up the restrictions, they raised their rates.