I have been a loyal USAA customer for ages - USAA auto insurance since I was 16, probably. I have Umbrella and Auto with USAA; property is with another company as USAA doesn't do property insurance in my state.
My 6 month premium on a 3 year old Ascent is $1060, which feels awfully steep for this car, clean driving record, 12K mi/yr. 500 deductible, 300/500, rental reimbursement, towing/labor. Personal injury protection is 1,000 per person - I think because umbrella would pick up after that. (hopefully that is not a coverage gap).
https://beinsure.com/us-auto-insuran...remiums-losses
However, I've had great service when I was in an accident with a previous car (I was not at fault), had a cracked windshield, etc.
My $2M umbrella is $434, as an aside.
Thoughts on staying where I am vs shopping?