Thats my recommended insurance also becaus I hear those stories all the time and USAA is the best one to have.
I agree with one of the other posters regarding USAA. I have been a happy customer of theirs for about 3 years now - not only insurance but banking too.
Call USAA they will save you a bunch of money and look our for you if your on active duty or not. Just the savings of switching will make your decision. 18005318111
Every few years I do a comparison on car insurance by a few selected vendors. Making sure I'm not being taken for a Ride.