Great thread! Beginning to think USAA changes membership requirements as often as I change clothes ... GADS! 
@UncleBwrote:Just closing the loop... @EJMiv, you were right, things have changed with USAA membership.
I didn't even have to call in; I was able to get a quote for auto insurance online! In the past when I would try I would get a default "Thanks for your interest..." message, but I'm now able to go all the way through. I was also pleasantly surprised at their rate for my car; when the time is right for me to make a change they'll definitely get my business.
Thanks for the heads-up, and I'm sure this information will be helpful to others as well!
That’s awesome! Wasn’t aware it became an automated change for people with existing memberships who weren’t eligible for P&C products.