I was with USAA for 20 years. They were the best. Never any complaints. About the same time I started seeing all the USAA commercials during football games I noticed prices going up. I checked with several big name companies and they all beat USAA for car/home insurance. I gave USAA a chance to match them, they weren't interested. they even sold my Roth IRA to another company without informing me. That really pissed me off. Why do they need to advertise so much? They had a captive audience.