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I am a second generation USAA member and can't say enough about their service. EVERYTIME I call I am reminded why I used them and only them for insurance and some investment services. While I don't have a personal agent, every person I have spoken with is competent and truely understands good customer service. They are polite and always give the right answers the first time. They are quick to make adjustments if needed and never hard sell any additional services. Their insurance is world class and when ever I have been in accidents (never at fault) the police or body shops always smile and say, you're in good shape, you're with USAA.