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Just like credit unions back in the day were operated FOR their members (and membership was exclusive and limited) and not really for profit .... USAA went down the same path. Auto insurance payouts are likely cheap compared to housing after the storms of the past decade. My rates (not USAA) have skyrocketed to cover losses along the coast fwiw.
It's time to go shopping for me.... don't assume USAA is your best option either .... it may not be (anymore).
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