We were thinking about buying the car that we had leased for the past 3 years. The car dealer wanted to charge us $ 489 dealer fees and $ 22 for 'filing' fees. That made us pretty upset because we already payed a dealer fee when we signed the leasing contract for the same car. I called USAA to get a quote for financing the car and the nice young women (Tanja was her name) recommended that I should call the leasing company directly instead of going through the car dealer and ask for the lease buyout prize. That phone call saved us a total of $ 501 and USAA made the whole process really easy for us. Thank you USAA and thank you Tanja.