I'm with usaa....I pay $120/month for full coverage on a 04' mach 1 mustang and liability on a 03' malibu. All my wrecks are off my record and I have one speeding ticket on my record 85 in a 70. The only draw back is that you have to be active duty, retired, or a prior dependant of military to qualify for usaa insurance. Ive been a member since 2001