I've been a member of USAA since 1972 and have never, not once, had a problem with either their claim service or their record-keeping, or anything else, come to think of it. Granted their premiums might be a little higher than you can find elsewhere, but that's to be expected in today's day and age. Besides, the lowest price is not always the lowest cost. As well, one needs to factor in the annual distribution that gets put into your individual account. We have close to $13,000 in that account, and although we can't withdraw it, it is available if we ever decide to leave USAA.

Another great service that USAA provides is their car buying service. I've just ordered a new car, and using USAA's service, have managed to save myself $6000. Granted, the car I'm buying is rather expensive and the lower the MSRP, the lower the savings, but that savings alone would probably last 15 more years and cover any increased cost incurred by using USAA's insurances.

The other thing I like about USAA is that they are a full service insurance company. I can shop for car, home, boat, plane, health, life, long term care insurances at one place, all using the same member number. As well, there's plenty of other financial services that they provide. All in all, I wouldn't go anywhere else for the vast majority of my insurance needs, with the one exception being to insure my classic car, for which I use one of the classic car specialty insurers.

JJ