Geico, however, lived up to its marketing. Its slick Web site was easy to use and returned a quote of $711.90 for six months. USAA, which covers only current and former members of the U.S. military and their families (that’s us), came in at about $10 more when we called. But the rep noted USAA offers a $50 rebate to customers who buy child car seats. Plus, he told us, it pays an annual dividend averaging 7% to all policyholders depending on how the company performed that year. USAA also had a high J.D. Power ranking.