Note that there are four different USAA insurance companies. Your military rank and how you got referred for membership will determine which one you join (liste

Note that there are four different USAA insurance companies. Your military rank and how you got referred for membership will determine which one you join (listed highest/best to lowest): United Services Automobile Association - Officers and senior NCOs USAA Casualty Insurance Company - Enlisted (E-1 to E-7) and children of the above USAA General Indemnity Company - National Guard, Reserve Garrison Property and Casualty - Extended family of the above I can't get past the article's paywall to view the 51% rate, but I expect your claim process experience will vary based on which company is insuring you. I have noticed that the quality of service has declined over the past 5 years or so (which lines up with Peacock's being CEO). It sometimes takes 2 or 3 calls to answer a question with my policies these days, as they now have high turnover in the call center.