I used the USAA auto circle to purchase a new vehicle and it was a good experience. Searching the website and locating a vehicle is easy. So if you just use it to search it will be beneficial. If you are going to use it to contact a dealer and get a price, your experience will vary. Just remember, the dealship you are buying the vehicle from is under no obligation to honor any price, so be prepared to negotiate. USAA (truecar) will call and negotiate for you if they are asking for a higher price than quoted on the website. You also will get a discount on a loan if you finance through USAA. You don't have to finance with USAA, so if there is a better alternative, use that. For me, USAA was the best option on a loan. My rate was only 0.59% with the discount.