Direct Car Insurance allows consumers to understand exactly what rates they can receive based on their zip code, but not all companies are included. One reason is that quotes are based on geographical locations, and some insurance companies are exclusive.
Exclusive car insurance companies are like country clubs in that they require members to have certain criteria to qualify. In the case of USAA, only current and former members of the US Armed Forces are allowed to apply for coverage. While this might seem like discrimination, it is not illegal as privately held companies are allowed to require certain things of their members, just as restaurants can require a dress code.