I have USAA - they're tied for first place. I love them. Always friendly, great rates, and annual rebates. Never once tried the reduced settlement offer thing.
Anyone who's ever served in the military (at any rank now - it used to be only for officers) can get insurance from them. I highly recommend them. You owe it to yourself to at least get a quote. I usually get back 10 - 30% in rebates each year on top of the low rates.