Member for 15 years. Dumped them 5 years ago after they claimed I was at fault in a parking lot accident...it was at least 50% the other guy's fault.

Switched to Allstate. I have gone back to USAA every year trying to beat Allstate's rates and USAA always loses.

The one thing USAA still does REALLY well is their banking. They lead the pack. No ATM fees for the first $15. Check scanning deposits with a computer or the iPhone. Interest checking accounts. .5% back on check/cash card purchases.

Too bad they can't compete in the insurance world...