I never did use them. My parents had a life insurance account on me from birth with State Farm, so I stuck with them. I've checked rates at USAA and other companies over the years and have found a few marginally cheaper. I've had some expensive claims over the years (two Ducatis and a brand new '95 Mustang stolen, my house was hit by a hurricane in FL, and a bunch of other smaller comp stuff) They have never given me any **** or raised my rates after a claim, but I've never had an accident (that was my fault) and only two tickets in my life.
One of the Ducatis was very rare. They couldn't find a comparable one locally, so they found one in Long Beach, CA. They flew me out there (airfare, rental, hotel, food) just to look at it and after I approved, they bought it and had it shipped to my doorstep. You can't put a price on customer service like that.
I have dealt with USAA on the other end of insurance though. I had had my Dakota R/T for a couple months and a lady tapped my rear bumper at low speed. She used USAA. They met me a few days later in a bank parking lot. The appraiser looked at the damage and printed a check from his car on the spot. That was back in '00.
I did open a USAA savings account when I started truck shopping because I found many times you can get discounts on new cars just for being a member. I think I got $500 off my Ram because of it.
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