I guess you Yankee's get better USAA rates than us in the south because they were the most expensive car insurance option, period. I had been with them for years and no accidents/tickets..that sort of thing....and one year their rates went stupid high. Their homeowners insurance, at least here, is crazy expensive too. I know I'm in the tornado belt, but geesh. I got a 16 year old so I am reading EVERY comment to learn what I can on all-things-car-insurance. Wife was involved in a t-bone accident last year, not her fault, other driver got a ticket. Totaled the 14 CRV and she had to have surgery/rehab.....I don't care what you do or get, do not get FARMERS. They suck. They will not work with us, they want to settle....this way before she found out that surgery is the only thing to fix her shoulder from the side whiplash. To this day, we still don't know what kind of coverage the other driver had. So, we had to get a lawyer and Farmers still will not pay for anything. So, I had to use our Federal BCBS to cover all the rehab and operation....out of pocket so far has been around 3K. Of course, we had to tell BCBS, so ANY settlement....we have to pay back BCBS for what they covered....I just can't believe why it's so dang difficult for my wife, she did NOTHING but is literally paying for this. I can see how lawyers get involved now. From my own personal research, cheaper insurance is cheaper coverage. I'd be willing to bet that 75% of all drivers have the state minimum. Believe me, you need to protect yourself. Case in point....if Farmers doesn't cover all the medical expenses AND all the other money we lost, like driving to rehab, taking time off work, tolls, etc. etc....you better believe I'm suing this guy for everything. It didn't have to be this way.