The most satisfying insurance companies to deal with if you have collision damage, according to a 2005 J.D. Power & Associates study, are USAA (available to military families only) and Erie Insurance, followed by AAA Michigan Auto Club Group (ACG), State Farm, GMAC, Liberty Mutual, St. Paul Travelers, ACSC, GEICO, American Family, and Met Life. Below average are Allstate (closest to average), Farmers, Safeco, The Hartford, Nationwide, and Progressive. The least-satisfied insurance claimants were typically drivers whose cars were totaled, Power says, perhaps because many of them are upside down -- industry lingo for owing more on a car than it's worth.