@Gmood1 wrote:Maybe get a State Farm quote? I switched over from USAA last year. To my surprise, State Farm beat them by almost $300 a year on auto insurance. No one else came close in my state.
Glad my dear sis and illegitmate mother weren't serverely injured in their accidents.
@Gmood1 I plan to really take a good look at what's available; I just have the feeling that we could do better elsewhere. I'm surprised you'd switch from USAA since according to all I've heard they consistently have the best deals.
They are fine although your "mom" is still upset over the loss of her summer car. She was in the studio audience for Oprah's last Favorite Things show and got a redesigned Volkswagen Beetle as one of the gifts. Your sister was fine except for some slight bruising from the seatbelt. The next day she and the rest of the family flew to the Caribbean for a two week holiday and left me behind to clean up the insurance mess 
@Anonymous
Good to hear they're all fine. Sucks you were left out of the Caribbean excursion! lol
Yeah, I had to cut USAA loose!
USAA got a bit too carried away on home insurance around here after tornadoes ripped thru my area last year.
That's what got me to looking around. If it weren't for that. I'd likely still have them. They are a top notch outfit!
I didn't want to go with too small of a insurance company.So I picked the largest in the country.
Rates have stayed the same with no uptick.
USAA began raising my home insurance several hundred dollars a year, for 3 years straight!
We had Progressive for years, but they kept climbing and climbing. My youngest had an accident that got entered into Progressive's system twice, but they never could delete the duplicate for some reason. Even though we were Diamond status (which included major accident forgiveness), the duplicate counted as 2 incidents jacking up our rates... essentially counted the accident anyway. Had to call in every renewal period to have it waived... meanwhile rates kept skyrocketing even though the Progressive agent said we were in the top rating for them. 4 cars @$4200 every 6 months (cars are 2004, 2009, 2014, 2017 and not expensive type at all... 2 young drivers causing this I guess).
Early last year I shopped around all carriers I could think of and found Geico and Esurance to be less than half (with the accident included). Most others were a few hundred around Progressive. Went with Geico. Geico even dropped in premium at renewal!
Interestingly, finally became a member of USAA last Summer and got a quote from them. They were over $6000 every 6 months! 
@Anonymous wrote:
@M_Smart007 wrote:
Find a good insurance broker!
I found one, they shopped hundreds of Insurance Companies ..
They ended up putting me with Mercury Insurance,
I pay around a little over $400 for (2) cars per year.
Less than 1/2 of what I had paid before.
@M_Smart007 It figures, the best drivers get the best rates! There ought'a be a law!
Best rates doesn't always mean cheapest rates!
Our policy (Travelers) is two drivers (both 25+), clean records, two accidents (both times the other party was cited) and our insurance for one car is around $2,200/year. Happy with our policy, though. In both accidents, we had a concierge basically take care of everything. Offered to pick up car and took care of all repairs and paperwork/phone calls with other insurance company. They similarly make minor things like chipped windshields easy to deal with, down to calling up and making the appointments at a glass shop (or house call).
It'd be a rip-off if I never used it, but once you actually have to file a claim, my experience has been that the cheapo insurance companies (General, Geico, etc) are quick to weasel out of responsibility, lowball claims, and otherwise leave the entire hassle as an exercise to the policyholder.
If rates are the one and only factor in making the choice of who to go with, it obviously won't be a good fit.