I first started using USAA when I was 16 under my dad's auto policy. When I went to college I decided to open a bank account with USAA because it was easy for my parents to transfer money into my account in an emergency. That was my first step to becoming a USAA member and I have never looked back. I get calls all the time from other insurance companies and banks trying to convert me. I always tell them the same thing... I don't use USAA because they're the low-cost service provider. I use them because they have great service, they're convenient and I know they always do what they promise. To me, that's priceless.