I actually had USAA. They are great on claims but their rates were outrageous.

My dad has been with them for 25+ years. I got into an accident over 3 years ago and they increased my insurance to $4800/year on my Hyundai Elantra. I was paying $400/month for insurance and only $129.53/month for car payment. We swithced to State Farm and I am only paying $140/month for insurance which amounts to over $3000/year in savings.

Not that they are bad, but had problems in my case.