After having bought over 30 vehicles in my life (and suffering through many of those events), I used USAA to purchase my last vehicle. When I arrived at the dealer and told them what I was interested in buying they began their normal shuffle of the selling process. I pulled out my email from USAA with the quote and that was the end of the discussions. I had a trade-in and was surprised that I got a great deal on that, too. Simplest car deal I've ever experienced and would never think about going back to the old painful process. Thanks, USAA!