I switched from USAA to GEICO (Gov. Employee Ins Co.) in 2009 when moving from North TX to upstate NY. My rates were going to go up w/ USAA but were about half w/ GEICO ($600 vs. $300) for 2 cars every 6 months. I talked to both companies trying to see what I was missing or not getting. USAA agreed they had the same coverage for half the price. That was about the same time USAA was tripling the rates on people in FL after a bad hurricane season(s) to get them to get insured elsewhere. I haven't had to file a claim w/ either company so I can't speak to how that might differ. USAA also couldn't compete on the local mortgage market either, so we refinanced w/ a local credit union almost a point lower than USAA...