We have been USAA customers since my husband joined the AF 20 years ago. We have had accidents and tickets and had a car stolen in Italy. We have used the free towing service and the door unlock service. Our rates have remained the same and we have always recieved amazing personal service from the friendly USAA reps. We brag so much many family members have tried to find away around the military loop hole. We love USAA and would never change even as we retire.