Ummm, there's one thing about USAA. You have to be a member:
Yeah...after the Navy recruiters decided they didn't particularly like my trick knee, I was tempted to ask if they could sneak me in just long enough to qualify fro USAA. I've been in a wreck with a USAA member, (his fault) and they were quick to get us into a good repair shop and a reasonable rental car.
Geico is all right, but their rental reimbursement often leaves a bit to be desired. They're still the cheapest for us at the moment, though, and the multi-car discount makes it only a couple $ per month more to have full coverage rather than minimum liability on the Ford, since we have it on the Mazda.
AFAIK, they've never actually seen the Ford, so it could get interesting if we ever have to file a claim.