@Anonymous wrote:We are going to have to wait for some magic loophole to open up or USAA eases the restrictions. My father priced their auto insurance and he was ex-military and found oddly that State Farm's multi-line discount beat USAA's rates. I was stunned. He wouldn't switch so I couldn't get in (at the time he had to have an insurance product with them in order for immediate non-military family members to qualify - not sure if that is still true, but he passed away a few years ago so it is probably a moot point.)
State Farm's multi-line discount combined with a multi-car discount is quite strong... due to a 'quirk' I'm getting both with them right now, and I'm not touching a thing until I absolutely have to. 
I'm in a similar situation with USAA eligibility myself... my father is eligible, but is pleased with his current setup. I'm not eligible until he buys a policy of some type with them, and due to a past 'snafu' he can't access the full site... and auto quotes are all you can get on the mobile site.
It's the only thing I don't like about USAA... their "partial" membership is quite the hassle to deal with at times. I do have my primary checking with them as well as a Visa card, and I'm quite pleased with both, but moving forward with even getting a quote for an auto policy will be much more complicated than it should be. 
Unfortunately they haven't changed their policy regarding membership... my grandfather is a member, but my uncle (his son) never joined, and when he passed away a couple of years back his daughter (my cousin) is now permanently locked out, at least under the current rules. I'm really hoping they do something about that eventually.