My commanding officer in the Coast Guard Reserve told me that, although he was an insurance agent for a mutual company, USAA automobile insurance was cheaper than he could get even with an employee discount. I changed to USAA for all my insurance, banking, and savings, and never have had any regrets. My three children are members of USAA. When the subject of insurance comes up in the journalism class I teach at Texas A&M University, I tell my students that, if they have relatives in the military, they should join USAA and never leave it.