<prompt> Human: I recently have come across the opportunity to possibly switch to USAA after 15 years with State Farm and I was hoping to get some opinions on whether it was worth the extra cost. I thought about posting this to rinsurance, but there are more eyeballs here. Sorry for using a throwaway account, but I like to keep my personal finance details as clear of Reddit as possible and I dont want the comments to be traced to my usual login.Here are the deets:State: OklahomaHome: 1,594 sqft home 3 bed 2 bath Auto: Two cars. Both paid off in full. One recent claim under comprehensive for the other driver, average annual mileage is 15,000 on one car, and 25,000 on the other. Current ins: State Farm Home: 82 mo Auto: 135 mo Total: 217 Total per year: 2,604Quote from USAA online quote: Home: 121 mo added earthquake coverage Auto: 191 mo Total: 312 Total per year: 3,744 I just quoted similar coverage to what I have with SF from Progressive for 84. Im guessing the increase in auto is due to the claim and probably because State Farm is calculating coverage based on fewer miles driven than actual. I also suspect that there may be additional coverage in the USAA quote that I dont have with State Farm i know earthquake is one difference. I cant provide the coverage breakdowns right now as I dont have my SF login handy. So in summary, thats an increase of about 100 mo. I havent looked into any other discounts available through USAA yet. Not considering any other discount, is USAA worth 100 more than State Farm? I hear nothing but great things about their customer service and I get looks of confusion when I tell people Im eligible but havent switched. While I could afford the extra expense, I cant justify committing that money out of my monthly budget unless it is truly worth it. Any thoughts?  <response>: USAA has some of the best customer service I have ever delt with. I had a car accident, and it was on a Friday night. by 5pm on Monday I had the money in my account to fix my car. I use them for my banking and my insurance, but I use progressive for my bike insurance. they have a deal with USAA for coverage. also they are very good about dropping insurance rates after you stay with them for a while. 