USAA insurance questions?

Situation my grandfather was in the military but he passed in 06 on my birthday. I'm now 21 I know to get usaa you have to have a military family. But someone told me I'm not old enough because I'm 21. Is that true? Can I apply for it because of my grandfather? I know my mother definitely can but can... show more Situation my grandfather was in the military but he passed in 06 on my birthday. I'm now 21 I know to get usaa you have to have a military family. But someone told me I'm not old enough because I'm 21. Is that true? Can I apply for it because of my grandfather? I know my mother definitely can but can she doesn't have a vehicle so can she get it and add me on her policy without it sky rocketing up? What all would I need to apply anyway?
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