I don't know if it's karma or not, but got a story for you Ag's...
Been with USAA since 88. Raised 2 boys, both had trucks, all accidents were in our driveway, that is a discussion for another case of beer. Anyway, rates were just stupid before the fender benders in the driveway and just went up over the years. 5 cars, + Homeowners and I was spending a chunk of my retirement each month.
Finally got the kids off the payroll and my rates went down, but not like they should. Hail storm came, got a new roof, then moved my Homeowners to All state for 6 years.
Long story short, shopped around again this last January. and USAA came in with a fair price, so I switched back. Not sure I had made my first payment. Hail storm #2 cane to North TX took both cars and our roof, fence, siding, gutters, shutters, etc. out! They wrote checks for a lot of money, an insane amount of money... And I had not even made a payment yet.
Customer Service cannot be beat! Think I will stay a while now, I think were even.