Had a similar experience myself. When I first joined USAA, my rates dropped nicely, but after one speeding ticket (my bad...), the savings pretty much vanished. Definitely pays to shop around—GEICO ended up being cheaper for me too.
Had a similar thing happen with USAA, actually. When I first signed up, the rates were great—especially since I drive an older classic and don't put many miles on it. But after a minor fender-bender (wasn't even my fault, but still...), the premiums jumped enough to make me reconsider. Ended up switching to State Farm because they offered a better deal for limited-use classics.
Makes me wonder if military discounts are really that significant once you factor in tickets or accidents. Maybe they're just good at getting you in the door? Curious if anyone's found a company that's consistently cheaper for military folks even after minor incidents...
Had a similar experience with GEICO—initially great rates for my Benz, but after a minor speeding ticket, the premiums shot up noticeably. Switched to Progressive and surprisingly got a better deal, military discount included. Seems like shopping around every few years is the way to go...
"Seems like shopping around every few years is the way to go..."
Haha, exactly my experience. Every renewal feels like musical chairs with insurance companies. Military discounts help, but honestly, loyalty means nothing to these folks... gotta keep 'em guessing to save a buck or two.
I've found the opposite, actually. Sticking with one insurer over time has occasionally landed me loyalty discounts or accident forgiveness perks that outweigh the savings from hopping around every renewal. Sure, shopping around can pay off short-term, but factoring in convenience and long-term benefits, sometimes loyalty does have its advantages. Might depend on your driving record or location though... insurance is always a bit of a gamble.
