I've been with USAA since day 1, 18 years now. Although I do agree with the others about thier rates being a bit on the high side for the younger drivers, but once you get over the 25 years of age hump, and you're obviously a good driver with a decent record, the rates drop tremendously. Right now, I have our 05' 4runner and our 07' Mazda 3GT fully covered, $250 deductible, rental car reimbursement, free windshield repair, all for about $90 a month...for both cars! In addition, whenever we've had to file a claim with them, the check was in our hands the next day, no questions asked. My family has been with them since the 60's, when my dad was a bomber pilot with air force. In the entire family line up, we have 3 houses, 4 motorcycles, 1 boat, about 10 cars, and all personal property covered with them. My property insurance is less than $40 a month, with coverage beyond $25,000 of the value, including coverage for anything on the property at the time of the claim.
But, you've got to be a decent driver with them. Otherwise, they'll throw the book at you!
Their bank is great too for auto loans. I used them for the first time to buy the 4runner. I basically told them what I would like in terms of rates/terms/amount, the bank check was in my hands the next day, all I had to do was fill it out, sign it, and give to the seller. I honestly didn't think they'd give me the rate and term I wanted, as it was about 1/2% below the best rate I'd seen in my research. but they did, on the spot. It's a great feeling to walk into a dealership with a blank, certified bank check in your hands.... It lets YOU take control of the buying process. Saved me about $2,400 from the purchase price, on a used car. Because, there isn't a car dealer out there that will allow a signed bank certified check walk out of their showroom.
