After I crashed (and totaled) a new car, my parents kicked me off their auto insurance. As a 20-something just starting a career, this was a headache. The first few quotes were all the same: more than $200/month for basic car insurance. I talked to a friend of mine who suggest USAA. The customer service representative was friendly and empathetic. I now only pay just over $100 a month for excellent car insurance and I'm moving my checking and savings accounts to USAA. USAA is a one-stop shop for any young person starting out their financial future.