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USAA is great but it really depends on how long you've been with them and whether they'll adjust your rates but I would say no for a speeding ticket. It's accident claims they will consider, of course. I've been with them over 30 years and they didn't mess with my rates until my teenager had 5 wrecks in 2 years. Ouch. Even with that, my rates are still lower than other insurers and USAA told me they would never drop me or my kids since teenager drivers are notoriously accident prone and they won't penalize the entire family for that. Of course, they hope that once the kids get older, they'll use USAA. I'll encourage them to do that but they are more expensive then other providers; however, they are so damn responsive and their CSRs are so skilled, I pay the extra $$$ just for that service alone.
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