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One of the few things I wish my dad had done that he didn't is to get on board with USAA. In college, a friend of mine was paying 1/10 of what I (on my parents' policy they've had with Allstate for 30 years) was paying and getting USAA bank CDs at 2% above prime rate. I've heard that Vermont's nondiscrimination laws regulating insurance require USAA to accept any Vermont citizens as members regardless of enlistment/family status, and I wonder how much I'd save over the years if I moved there for long enough to qualify, enrolled, and moved back.
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