[gacook]

I have USAA, and have for years. They're great. I've had multiple small claims (both wives--former and current--have an affinity for hitting parked cars or other inanimate objects...say brighly painted, yellow poles); I've gotten a speeding ticket or 2 (one which was "criminal"--doing 110 in a 75...); had to replace multiple windshields; ex-wife had a problem with the washing machine flooding, and she was unable to turn off the water to it, so it flooded the house (I was out of the country), so they replaced all the carpet in the house (I decided to go tile, and paid the difference), replaced floorboards and drywall in 3 bedrooms; and my premiums have never gone up. They're ridiculously fast to respond, too. Absolutely great company. Only problem I've ever had with them was when I was living in Boston. I had a car audio system that I'd just spent $3,000 on get stolen a month after I'd installed it. They gave me $800 for it due to depreciation. That ticked me off a bit, but overall, I'm still very pleased with them.