Here's another USAA disappointment. Just added second son to auto policy. Was asked which vehicle to add him to. Told them the older kid car and all was well. Get the amended policy sheet and notice the newest most expensive car had its rate raised. Called them about it and they said they couldn't add him to the kid car because it already had a "youthful" (youthful being a 22 year old) driver and they couldn't put 2 youthful drivers on the same vehicle (even though they are driving THAT vehicle). So they didn't call me and ask which one to put him on and arbitrarily put him on the newest most expensive (hence highest premium) vehicle. Once I called them on it, all they could say was....Sorry. Kind of like my teen saying "my bad." Then I asked why my 22 yr old still had points on his vehicle when his ticket was over 3 yrs old. They acted all surprised and said, "It has been over 3 years so we will take it right off now." They waste no time adding points, but this is the 3rd time (out of 3) I have had to tell them to remove points for various things over 30 years. They NEVER do it on their own. I have to wonder how many people are paying for points that should have expired and been removed. Their attenion to detail and quality of service to the service man has steadily declined over the years. You can add me to the list of those starting to look around and shop. My guess is I'll find a local agent that will be able to save me some money and still provide at least the USAA level of service I am presently getting. USAA doesn't seem to be setting that high of a bar to compare to now-a-days.