Actually, the absolute top-rated insurance company in the industry, USAA or United Services Automobile Association, does come from Texas.

For years it refused to insure anyone other than military officers and their dependants, and its rates were far lower than the rest, yet its services were rated far higher. This was due to the lower lost rate generated by the officers, and the members get rebates based on the loss rate. A member since '68, I now receive a yearly rebate that is some thirty dollars higher than my insurance bill for three vehicles. In effect, due to the selective nature of its membership, they pay me to get the insurance. Recently, the membership voted to allow senior ranking enlisted personnel to join.

And my USAA credit card is 11 percent permanent. People will do anything not to lose their USAA insurance, just ask your agent, and watch the tears.