USAA (officially the United Services Automotive Association) started in the 1920s when military servicemen were considered too risky for traditional auto insurers. (Did you even know they had car insurance way back then? What was the top speed on a Model T, anyway?) USAA has taken big risks ever since with far-out features like mobile check deposit, and backing up its offerings with over-the-top customer service. USAA continues to forge ahead in social media innovation, with Siri-like voice recognition in its mobile app, and mobile account origination using the smartphone camera. Vroom, vroom!

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