I'm an officer's kid- so have been USAA since born. I've never had any issues with them- however have not had anything in the way of claims, either.

I had a friend that was a state farm agent look at my coverage and what they could do about a year ago- apparently the USAA rates were way better than them.

I guess mileage varies? I, like many others, don't like that they extended service to "everyone" though..