USAA is a fantastic rate, USAA protects that rate and added benefits. LDW included, Free additional drivers, lower GSO refuel prices, automatic acceptance insurance replacement among other things. In return, the USAA member MUST show one document or credit card with their name and USAA's name on it to get access to all of the above.

Plus, USAA regularly cross checks their database with names of people using their code. Anyone not matching is subject to price revisions.