That is pretty interesting. I have USAA but from time to time I look for a better price. I drive the base trim of the cheapest car Honda has ever marketed in America, just 3000 miles a year, and in 35 years of driving have never had a claim of any kind or a ticket. But I still pay $125/mo for this service, which strikes me as crazy. It's nice to know that if I ever have a claim I will get award-winning service, I guess?

I've had to deal with USAA for insurance claims a couple times. Every single time, without fail, has been amazing. It really feels like they care, and want to help. Plus, in my experience, their rates are good. Well worth it if it's an option for you.

Family member works for USAA and really likes it there. I can attest they truly do care for their employees and customers.

You might want to look at your levels of coverage and adjust to better suit your risks. I have USAA as well, and pay less than that for a truck I drive 25k miles/year. That includes comprehensive (and a not pristine driving and claims record).

There are a lot of different levers that affect insurance pricing. Are you paying for comp? If your car is a beater, maybe you shouldn’t.