I have the same, and Ive also had this happen where I needed to make a claim that included the loss of some of the modified parts. They paid more then I expected, without any hassle. Even the damaged parts that werent modified they paid out full oem retail cost on an 8yr old car, which allowed me to use that money to purchase better aftermarket parts, have the whole car painted a custom color, and still pocket almost $500. USAA is also cheap, and good for renters insurance(Ive never used it, but know many who have), as well as home insurance(Ive had to make a claim for water damage to my ceiling caused by a leak in the central air system, normally any type of water damage claim and you can get blackballed because of all the water damage shit insurance companies paid out over katrina, regardless of where you live. I however, had no problems whatsoever.)

main reason they claim they can offer such service and hassle free shit is the lack of overhead of having tons of branch offices(theyre based in Texas, but there's supposed to be a facility in Norfolk soon if it isnt already there). Other cool things they have are like the ability to deposit checks online just by scanning them, they also refund atm charges for like the first 10 or 20 withdrawls per month. On top of that they used to run special loans(I doubt they'll do this in the future anytime soon), the one I took advantage of was 25k at less then 2% interest. If you're thinking to yourself thats fucking ridiculous...IT IS! I just took the money and used it to accrue interest dividends. Was like they were giving away money.

I think you can invite people now who arent military(if not yet, then soon) to USAA membership. I think the reasoning behind this is military service members are less likely to keep deadbeat company(not agreeing with this, but its the only reason I can come up with they'd do that, and frankly I wonder how much if any research they did before offering it).

Lastly anyone whos ever been named on a policy of another member is able to apply for membership as a legacy, even divorced spouses, and certainly children(I was on my fathers auto policy as a teenager, and thats how I got in, I never served).

Ive never looked into their motorcycle rates, but if anyones interested shoot me a pm.