My experience is completely opposite of yours. I’ve been a member for 20 years and when ever I get unsolicited phone calls from other insurance carriers I just say USAA and they hang up because they can’t compete. My only complaint would be they changed from 10 payments per year to 12.
I have them as well, you realize you can choose your payment plan? I pay 2 times a year.
I will say that with the recent membership expansions, that I a seeing some minor degradation in performance.
My biggest disappoint has been when they changed their investment management (stock, IRAs, etc) op to an outside contracted group. Felt they should have gone to more of a schwabesque route. Their interface there is clunky as well and I’ve considered moving it out, though I like the convenience of having things all in one place.
I think the pricing competitiveness depends on which state - most where I’m at can’t give me the same value for the price.