My wife is a vet (Navy) and decided to check out USAA on auto insurance. Gotta say that the online quote, if it holds, is rather....enticing. For example, same coverage we have now, plus a lower deductible, and we would still see a net savings of ~$40/mo*. Heck, we could even double the current coverage and still come out with a net savings.
Sounds like a no-brainer, right? Thing is, there are no local agents/offices- and I've heard horror stories of dealing with online companies, so we are kinda hesitant to give them a shot at earning our business.
*We got the new car and the premium went up by $25/mo, so we increased the deductible up $250 to 'save' $15/mo on the premium. And this is with the least cost agency that has an office in our town- AAA was quoting an additional $50/mo