USAA is the standard of customer service... Aside from having great, competitive rates and great products, their customer service will sell you every time. I have spent hours of phone time talking to their employees who actually care more than enough to give every once of information they can so that you can make an informed decision about your life choices, even if that means not using a USAA product..... which makes you want to spend a little more to use USAA... cause they actually care. I actually enjoy doing business with USAA.... EVERY TIME.