USAA was concerned about the death of the auto policy. Whether it be self driving car manufacturers or OS writers for said cars - they were quite concerned that "auto insurance" would look markedly different in the future. In an effort to remain relevant, they sought to deepen their relationships with current members (LOTS OF CROSS SELLING) and expand their pool of members. Since the most of the officers who were elligible were members and using USAA, that left little room to grow without opening up the criteria for membership. The risk pool is pooled into different sub insurers based on categories. USAA (auto) is still officers only. Sub groups make up the new members. Garrison P&C is for family. There is a county mutual outfit too. Depending on how you qualify, your auto rates may be great, good, or shit.
While I take umbrage with their rates, they are still pretty competitive. I quit giving them benefit of the doubt when their claims handling procedures changed so dramatically. When I lost the benefit of being treating like family, they lost the benefit of deference when their rates increased.
AllCat can suck a dick. IF you have a property claim and AC is assigned, do everything in your power to refuse them and get an actual USAA employee to look at your damage.