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I can't remember a time my father didn't have USAA. When I was 16, I was put on his policy. After 4 years I got my own policy when I joined the Navy. I checked around at other policies then, and no one came even close to USAA for services and price. I moved my wife's policies over after our marriage and she was astonished by the price and services. The few instances I have needed them, they have come through promptly and completely. I truly have no worry that I have the best insurance out there.