It’s almost as if it was a natural law or something…
Look into Ally Loans. Same deal, you’ll be packaged and sold out within the week, but they have a very, very nice online system for the loan process.
In most other states insurers will increase your rate even if you are not at fault and you only made a claim with the at fault party or your insurer is successful subrogating
I’m in the Midwest and I pull quotes every 3 years, and Costco has always been a few hundred cheaper than the other cats with the same or better coverage.
Banking should be a credit union unless you require some weird need from USAA.
To be honest, I never bought into the USAA hype, their marketing is strong but their “benefits” aren’t anything more than what’s found at competing banks. Credit unions provide better services and benefits to their customers anyhow.
Our mortgage was immediately sold to another firm, so there’s no nicety on the part of having a consistent firm there. The process was painful, our processor was impossible to get in touch with, often a 48 hour lag for a reply.
Shortly before moving I was side-swiped by a man suffering a medical incident (diabetic coma after a blood draw) while at a red light. Our premium increased due to “driver history” a month later.
I’ve previously worked directly with USAA staff for due diligence when selling software / services to their firm and they are absolutely on the ball on that front. However, their actual software as an end-user is a hassle, e.g. password rules and UX that look about 25 years old at this point and suggest some languishing old mainframe.
Sweet, sweet inertia…