Joe the TL;DR is NRA is mandating an online course for a portion of the test and also messing with your pricing model?
I'm interested in why this seemed important enough to make happen...
I wouldn't offer a penny above $22K. That's if I'm in the mind state that I want to pay for mods too. "Ok I'm going to do x mod so I can factor what's been done into my offer".
Yep.
USAA is an insurance leader for a reason. They offer you guys some of the most competitive rates, exemplary customer service and maintain a really healthy book of business. They're not as large as some of the bigger guys is all.