FWIW, I haven't been able to find better rates than USAA for auto, Valuable Personal Property, or renters. When I owned a home in FL last, they were terrible, but they admitted it and were pricing themselves out of the market on purpose at the time. That may have changed.
Couldn't beat NFCU for my mortgage; their software sucked and I had to "re-e-sign" several documents and upload a few a couple times over frustratingly, but I couldn't beat their rate or the fact they had no junk fees at the time.
Also, while I infrequently use my NFCU Visa, it's a good one to have for eternity to build up the age of your credit score, not to mention, they gave me a massive credit line as an Ensign that I've never come close to using.