I've been shopping around for insurance for a while and was struggling to find a company that could beat USAA's rates for equivalent coverage.
If you're in the same boat, I'd recommend calling a local agent. They can walk you through what you actually need, what coverage might be excessive, etc. Turns out I was paying a lot for some coverage on my auto policy that wasn't necessary because my health insurance would cover it.
I was able to save a huge amount (>30%) by switching my auto insurance for basically identical coverage. Not just that, I ended up getting more coverage on my homeowners insurance for the same price.
I switched my banking a while ago, so with my insurance finally switched, that officially ends my business relationship with USAA. I'll keep my credit card open because closing it would lower my score, but beyond that, my business relationship with USAA has come to an end.