I thought about giving USAA a 4.5 because their rates tend to be slightly higher than other insurance companies, but I decided to go with a full 5 rating because you really get what you pay for. I got in a car accident several years ago and they sent payment, reimbursed me for my rental car, evaluated the damage appropriately, and did NOT raise my rates or hassle me. Their customer service is absolutely the best - friendly, courteous, and effective. They answer questions, and if the person I'm talking to doesn't know the answer, they go find out what it is. I left for a while to go to Geico for money reasons, but the minute I could afford to, I went right back to USAA. I really dig the dividend checks at the end of the year, too!