USAA will go through your credit record and driving record with a fine toothed comb and God forbid you have a felony or misdermenor in your history. Some folks love USAA and swear by it, Me, nah I don't. When I 1st Enlisted in 1990, I called them to insure my car, they said we don't service ENLISTED military members, only officers. I know they service Enlisted too now, but that never sat well with me. I wans't good enough for you then, so you don't get my business now. To each their own. That's my take.