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I married my husband in May of 2008, who is active duty military. Before then I was working as an insurance agent near a couple of air force bases. I would always run quotes for the military families but none of them would commit to any of my companies because the premiums and insurance coverage offered through USAA always surpassed what I could offer them. In September of 2008 I was involved in an accident and USAA was amazing. Luckily the person who hit me had USAA too, so the claim only took about a month to pay out. Even after the fact, our premiums did not sky rocket and I was in no danger of being dropped. I don't even bother shopping for insurance anymore because I know USAA is the most competitive and offers the best quality insurance you can find.