I have been a member of USAA for 47 years and have never had a complaint about their insurance rates until this year. During the six months from my last renewal my insurance rates have jumped from approximately $522/6 months to $780/6 months. This is an increase in excess of 47%. My wife and I have not had any claims, accidents, tickets or any other faults on our finances or insurance. The only insurance change in the last year was when I purchased a new RV and, since USAA no longer insures RV's, I had to insure it with another company. I therefore called USAA to find out what was happening. The ensuing telephone conversations, which went from 0930 EDT until after 1600, and the blatant misinformation and total lack of any help from the USAA representatives have left me in shock. They flatly refuse to review my coverage beyond changes in mileage driven, or question their underwriters actions. Instead they are blaming the increase on the need for USAA to stockpile money to cover claims due to storm damage by other members! Because of my longevity with them and my spotless record, I refuse to believe this. I wrote a detailed complaint to USAA and, to date, have not received any response. Additionally, my home owners insurance rates have increased more than more than $300 since my last review with them and, again, their explanation is that they need money to replenish their reserves. I have not filed any claims on home owners insurance and have not filed a claim on auto insurance for 5 years. I have gotten quotes from other insurance companies which are only a fraction of the cost with USAA for even more coverage. If they don't correct this problem or come up with a legitimate reason for the increases I will have to change companies after close to a half century with them.