I have a friend that's a Farmers agent. He tells me that USAA policies are low hanging fruit.

I had State Farm for decades and he saved me $1200/year and INCREASED my coverage.

I still use USAA for auto, but I haven't checked others.  There's lots of scuttle butt around that they're a crock!  

We have USAA as well. Only reason we started using them is because the previouse owners of our house also used USAA. Other local insurace companies did not want to insure any more houses on the Island. This was 20 years ago.
I called to have a motorcycle added 2 years ago and they bumped me to Progressive for the bike.
I really should shop around as the few times I haved needed help from USAA with claims they were absolutly terrible and wasted so much of my time due to their lack of insurance knowledge and common sense. Both home and auto service was terrible.

nolaegghead said:

You don't want to be hit by anyone who has USAA insurance.

Or have USAA and be hit by someone with no insurance. We have full coverage and cant get any money from USAA for medical bills untill we sign complete release and wave any further claims.

Consumer Reports still lists USAA in the top tier for Car (#1) and Homeowners (#2) insurance.

"USAA was one of five top-rated home insurers. This 5th-largest U.S. home insurer also earned top scores across-the-board for ease or reaching an agent, simplicity of the claims process, prompt response and attentiveness, damage estimate, agent courtesy and professionalism, and timely payment. Only five percent of claimants said the amount paid by this carrier was “less than expected,” better than the nine percent of all survey respondents who said the same thing and second-best among 15 insurers on this measure. This San Antonio, Tex., based insurer has also demonstrated impressive consistency: USAA was among the highest scorers in seven of eight home insurance surveys we've conducted since 1989. "


I notice that none of the weighted categories in the CR ratings matrix deal with "Premium Costs". The way so many insurance companies screw around with policyholders when it comes time to make a claim perhaps premium price isn't always the number one concern when you find a company that appears to respond to customers as is described above about USAA.

I went with USAA when I joined the military.  A week after I turned 25 I bought my first Saab, and the rate they quoted me was horrendous.  I reminded them I'd just turned 25, but they said since I just renewed the policy on my Rustang while I was still 24, I would be charged at the same "under 25" rate for the Saab.  I told them I'd cancel the policy on the Rustang over the weekend, then re-sign for the Saab on Monday as a 25-year old.  She replied, in a VERY snotty voice, "Oh, you can't DO that, we keep track!"  
I approached State Farm about a 5-month policy; they said they could do that, but then showed me what they charge regularly, and it beat USAA handily; this was in 1985.  Their homeowner's insurance also covered my band equipment on the road, which USAA did not, again for less money.
When I called USAA on Monday, luck would have it I got the same snooty b*tch on the phone; thoroughly enjoyed cancelling everything.  
I've re-checked rates every 5 years or so ever since, nobody could beat State Farm.  And (long story which I won't bore you with) they covered me in a really bad situation in 2002, when legally they didn't have to; they have a customer for life in me.  

Serious difference there. Good reminder to check prices. Some are using your fico score to quote prices, better score, better price and ability to pay

I was a State Farm lifer. I called Farmers and saved a mint. Loyalty doesn't pay anymore. 

We had AAA for 20 years. When our kids started driving, they wanted to double our rates so we shopped and ended up at Geico and have absolutely loved dealing with them, through many kids accidents.  Still cheaper, we check every few years.

USAA here , and I was hit by a USAA driver. 
Havent had any issues yet , but still getting some treatments. I'll post an update but I don't plan on waiving or releasing anything until I feel 100% .

as far as insurance , I have not noticed anything negative and feel good about having everything with them for now.

nolaegghead said:

We have it and haven't had any issues, but I know people that have been super frustrated with USAA settling claims caused by their insured drivers.

This. I was hit by a USAA driver and it took forever to get a claim paid. Geico(my insurance) stepped in took care of me, then had to file suit against USAA to get the claim money back. That was a fun 2 weeks, to say the least.

I've been with AAA for 20+ years.  While I've been generally happy with the claims experience, they've dramatically increased our homeowner rate in the last 5 years.

But when I look at our total policy expenses (4 cars, home, umbrella) they still beat USAA and others by hundreds of dollars.  I check every year hoping for different results.