My family has been using USAA for many years and have always bragged about the service that we have received and what a great company that they were to work with.
The service with their auto insurance has been seemingly getting worse and worse lately, but I still believed that it was worth sticking it out with USAA. I was recently rear-ended on the highway in stop and go traffic. (I stopped, and the guy behind me kept going at 40+MPH) I was deemed to be not at fault and had my car and back fixed and assumed that life would go on. I received a renewal notice a few days ago and noticed that the vehicle involved in this accident now has a 33% higher premium on it ($180 increase every 6 months). I called and spoke with a representative who informed me that because of the accident I no longer qualified for the "Premier driver discount" and would not be eligible for it again until I have an accident free driving record for another 5 years. He then told me that I was not being penalized for getting hit because I was not at fault, but tried to explain to me how I was just losing a discount and that was not at all the same thing.
At that kind of a price jump for something that "I am not getting penalized for", it certainly takes away from USAA's competitive price advantage and makes it a lot harder to brag about how great my insurance company is.
