This is a saga that began 25 years ago when my dad told me that USAA was the absolute best auto insurer around and very exclusive. We were living in Chicago at the time and had just acquired our first car – a very old Honda Accord from my dad. Because my dad served in the US Navy, all family members were able to qualify for this insurance. I was happy with USAA for years until they continuously raised my rates without any reason. I had no claims for years, except for two very minor damages caused when my daughter was a teenage driver about 10 years ago. It is my general philosophy towards customer service that three strikes and you’re out.