Do you use USAA Auto Insurance? If so, are you happy with it?

2014-08-04T09:59:59-04:00

Okay so I'm looking into shifting my auto insurance provider from Nationwide to someone else. I'm in the middle of getting quotes and whatnot from different places. One of them is USAA. The quote they gave me was along the same lines as what other companies are giving me.

So my question to the RP Community is; do you use USAA for your auto insurance? If so, how is the service and whatnot? I figured I would ask a community I trust rather than just go off reviews and whatnot.

Response by CPT Laurie H. made Aug 4 at 2014 10:14 AM

2014-08-04T10:14:00-04:00

I just switched over to USAA for my car insurance last week, so I can't speak to service if you actually need something, but I can tell you that the switch was simple. The agent I spoke with to set up my policy answered all my questions and made the process very easy. My quote happened to be half the price of my old insurance so I may be a little biased.

Also, I have never had a problem with USAA for any type of insurance or account in the 4 years I've used them. They've scanned and emailed me documents I've needed immediately and been more than accommodating with adjusting policies.

Response by MAJ Robert (Bob) Petrarca made Aug 4 at 2014 10:34 AM

2014-08-04T10:34:27-04:00

I have had them for over 15 years and their customer service is phenomenal. Their online claims communication, their response time when resolving an auto accident claim are superior.

My only beef with them was when I was a recent incident (100% not at fault, guy ran a stop sign and T-boned me). I have rental coverage - up to 30 days when repairing or 1 week after declaring the car totaled. after 23 days in repair, they "suddenly" declared my car totaled. 1 week was not enough time to find a replacement car and I didn't have the check at the end of that week. They didn't explain to me that in that case the dealer will usually let you purchase the car pending the arrival of the settlement. Things got a bit heated but stayed professional. Eventually my lawyer was able to "convince" USAA to pay the rental beyond the "insurance contract"

Response by MAJ Curt Bartholomew made Aug 4 at 2014 10:34 AM

2014-08-04T10:34:17-04:00

Using it since 1978 -- USAA is the best there is. -Bart

Response by CW5 Sam R. Baker made Aug 4 at 2014 10:36 AM

2014-08-04T10:36:02-04:00

I use USAA for car insurance, home insurance, investments, IRAs, banking, and do not have one dime invested with another institution. I have never had an easier time or dealing with people in my life. I was hard headed and with many other banking and insurance institutions over my life, 51 now, and I suspect I will never ever go elsewhere. My step-daughter was a financial wreck, credit score of like 300 and wanted a car. USAA loaned her the $$ due to my accounts statuses (insurance and banking) at a 1.5% rate when any other bank would have been over 20% and possibly not at all. Their response was customer satisfaction which is why I left other banks when divorcing and they would not back me up. USAA has credited my account when I have had stolen ID, overseas issues......I could go on and on, I am glad they opened their services to all service members and got it out of a "JUST OFFICER" routine!

Response by SCPO David Lockwood made Aug 4 at 2014 10:43 AM

2014-08-04T10:43:31-04:00

Been with them for 10+ years. No complaints, have had nothing but exceptional customer service.

Response by 1SG Mike Case made Aug 4 at 2014 10:44 AM

2014-08-04T10:44:23-04:00

I had USAA when I was a teenager, thanks to my dad being a CW4. I still have USAA to this day and all three of my children are covered through USAA. I never have problems with them and they helped me tremendously when my oldest was in a wreck. I do not have any complaints about USAA.

Response by CPT Richard Riley made Aug 4 at 2014 10:52 AM

2014-08-04T10:52:47-04:00

I've been with USAA for over 20 something years. I can only think of one occasion where we even had a hiccup of an issue and that was fixed with a little discussion.
All said, they go all out on customer service. Over the years my wife has looked into other companies but in the end we've always stayed with USAA.

Response by MAJ Jim Woods made Aug 4 at 2014 10:53 AM

2014-08-04T10:53:18-04:00

SGT Ben Keen,

I have had USAA on my own since 1967 and was on my Dad's policy from 1962-1967 (yes I am that old). They currently insure all of my (2) cars, my Daughter's car, our home and all our belongings. I have never had any problems with a claim. I also use their banking and debt cards. I have several individual insurance policy's through them as well. I highly recommend them to those who are eligible.

Response by MSG Wade Huffman made Aug 4 at 2014 11:09 AM

2014-08-04T11:09:14-04:00

I've had USAA auto since the early 90's and home since 2006. Have had ZERO negative experiences with them and have only praise for their customer service. I have not had a claim with auto, but did have a homeowners claim (new roof, gutters, and downspouts from storm damage) and they were VERY helpful and efficient throughout the entire process. I HIGHLY recommend them.

Response by LTC Paul Labrador made Aug 4 at 2014 11:09 AM

2014-08-04T11:09:49-04:00

USAA may not be the cheapest out there, but they have excellent customer service and being founded by ex-military, know full well the special circumstances that military families have.

Response by MSgt Private RallyPoint Member made Aug 4 at 2014 11:55 AM

2014-08-04T11:55:39-04:00

I have USAA for auto, home and RV (they go thru Progressive for RV) and couldn't be happier. Customer service is outstanding. Just had a claim for damage in a storm and they where great. I have thought about banking with them but I am currently banking with a DOD recognized credit union. SGT Ben Keen You can't go wrong with USAA and their many available services.

Response by MAJ Private RallyPoint Member made Aug 4 at 2014 12:25 PM

2014-08-04T12:25:09-04:00

USAA is one of the best companies I've ever dealt with. Everytime I need to call, takes about 1 minute to get an actual American on the line vs some guy with an accent I can't even understand.

Response by MAJ Private RallyPoint Member made Aug 4 at 2014 12:49 PM

2014-08-04T12:49:55-04:00

I've used USAA for:
-- Auto since 2003 (from AAA)
-- Home since 2008 (first and second home)
-- Banking since 2011 (from BofA)
-- Investments since 2013

In short, they've been fantastic.

Their customer service is incredible. They're responsive, caring, and fair. I had a laptop die in theater, and they gave me a very good valuation for it (covered under the home policy). I've been in a few small auto accidents over the years, and they have been quick and attentive whether it was my fault or not. This past winter, a fire suppression sprinkler pipe froze while we were out of town, completely destroying nearly half our house. While other people with similar problems waited sometimes months just to get an appraisal from their insurance, we had all repair work done and were moved back in with a comfortable check to replace lost property in less than 3 months. That's on an over $100k claim (not counting personal property), and they even ran good interference on the problematic water remediation company, which was not even one of their in-network companies.

Bottom line: I would trust them any day. If you're debating whether USAA is right for you, you're wasting time. The answer is Yes!

The only negative I've had on USAA is that they have very, very few banking locations. If all I need is an ATM, I'm fine; they have or are partnered with ATMs all over, and they refund ATM fees up to $15/month (and charge none themselves). If I need to talk to a teller or other in-person agent, the only ones available for me (central MD) are next door to the Pentagon or a block away from the Naval Academy.

Response by MAJ Private RallyPoint Member made Aug 4 at 2014 1:22 PM

2014-08-04T13:22:55-04:00

Been with them for 9 years. When I was in a accident about 8 months before I deployed (I was at fault, following too close) the other driver tried to sue me for some ludicrous amount for his "Injuries" USAA did the research, found out the guy was just arrested for beating his wife, and had the case dripped for me (apparently he wasn't all that hurt)

Response by SSG(P) Private RallyPoint Member made Aug 4 at 2014 1:28 PM

2014-08-04T13:28:56-04:00

I use USAA for life insurance for my two daughters, Homeowner's Insurance, and Car Insurance. I also use them for my money markets, brokerage accounts, and investment accounts. They have great customer service, and I have been very happy with their products. Most of the customer service members are very knowledgeable, and you can get great information and advice for free.

However, in reference to other products, I would not go through them for any loans, refinance options, or mortgages. I attempted to go through them in the past for a home equity line of credit and their rates were ridiculous. I have good credit and the best rate they offered me was close to 10%. I went through a local bank and obtained a rate at 4%. Now, that I am refinancing my home, I found them very difficult to go through. I am working with a local company for that as well.

Response by SCPO Private RallyPoint Member made Aug 4 at 2014 1:47 PM

2014-08-04T13:47:43-04:00

I have been with USAA for 16+ years (I switched almost as soon as they covered Reservists). I am incredibly happy with them, had an accident coming home from drill weekend a number of years ago. The other guy and his insurance made a claim, USAA called me and got my version. They decided to fight the claim, hired an attorney, we went to court - lost. USAA paid 100% of court costs, damages (less than originally asked for), and *never raised my rates.* Yep - I love USAA.

Response by Capt Jason Minnich made Aug 4 at 2014 2:02 PM

2014-08-04T14:02:50-04:00

I have used USAA off and on for the last 10 years. I've always had at least a checking account with them, but Auto Insurance comes and goes. I will admit their claims process is second to none, but I just couldn't justify paying double what progressive was offering for the same coverages a few years ago. I've since switched back to USAA when they lowered their rates and have been very happy since. Great company and great service.

On that note however, don't just drink the kool-aid, make sure you shop around. I did and it saved me 300/6 months for a couple years. Same thing with all your banking and insurance products, shop around and they might be the best deal. Factor in their service when making your decision, but I wouldn't say they are worth twice was I was paying elsewhere.

Response by CPO Patrick Trexler made Aug 4 at 2014 2:15 PM

2014-08-04T14:15:34-04:00

Been with it since they opened up to the enlisted ranks while I was stationed in Ingleside Texas. Would not switch back to anything else no matter what the cost is. Great service, great people, just need a few more Centers around the east coast!!!

Response by SFC Private RallyPoint Member made Aug 4 at 2014 2:49 PM

2014-08-04T14:49:57-04:00

Been with USAA for almost 20y now. Auto and Home. No one has been able to beat them and i have chalenged companies to try. The service has been outstanding. Wife got T boned 10 y ago (her fault) was suied by other driver, USAA was there with lawyers and took care of everything, it took a couple of years to resolve, got called once by prossicuting lawyer called USAA was told not to worry it wont happen again. It didnt. month and a half ago mu hoome got robbed, i had a settlement the next day!!!! i had reciepts, took a pic sent them in and recived over and above what i had paid for lost electronics. I will never use anyone else.

Response by MAJ Gregory M. made Aug 4 at 2014 5:15 PM

2014-08-04T17:15:16-04:00

Absolutely, I've been with USAA since before I went to basic training. They are great for auto and home insurance, life insurance, and banking, including retirement IRAs, etc. I do everything but the mortgage on my house through them. They offer mortgages but its mostly through third-party banks, and I found a better deal on that elsewhere. Customer service across the board is the best I've had from a bank or financial services company. If you deploy, they can take care of everything in one phone call, including getting SCRA rates and doing a power of attorney for all your USAA accounts.

Response by PFC Zanie Young made Aug 4 at 2014 5:22 PM

2014-08-04T17:22:17-04:00

I love USAA! No where else your membership would have so many benefits. Getting my compensation one day early, ultra low insurance rates, friendly service and even the claim services is the best! You can't go wrong with USAA!

Response by SFC Private RallyPoint Member made Aug 4 at 2014 5:46 PM

2014-08-04T17:46:04-04:00

11 years now and wouldnt consider anything else. I especially prefer them in regards to bundling, I save almost 1500 dollars a year between homeowners, renters, auto and personal property. Just an FYI for those in rented housing, if charged a move out fee or damages, they will send out an adjuster and actually negotiate with managers of property and pay the claim minus your deductible.

Response by CPT Jacob Swartout made Aug 4 at 2014 8:27 PM

2014-08-04T20:27:13-04:00

I have been a member of USAA for over a decade. I won't change unless something happens that warrants it. They take care of customers well.

Response by SGT Ben Keen made Aug 5 at 2014 8:10 AM

2014-08-05T08:10:51-04:00

Thanks everyone for the input. You made my decision really easy! Signing up today for their insurance on my car and I'm going to look into their banking and renter's insurance as well.

Response by WO1 Private RallyPoint Member made Aug 5 at 2014 9:12 AM

2014-08-05T09:12:23-04:00

USAA is great, if you decide to go through them try to transfer as many insurance policies as you can to them. If you do you can receive some awesome discounts and it makes it worth it. Also their online banking is really good.

Response by SPC Private RallyPoint Member made Aug 5 at 2014 4:12 PM

2014-08-05T16:12:48-04:00

When I was searching for good insurance, USAA had the cheapest price. I called and the quote ended up being cheaper than the online quote. It took about 10 minutes with extraordinary customer service! I was set. USAA is awesome!

Response by LT Private RallyPoint Member made Aug 5 at 2014 7:16 PM

2014-08-05T19:16:55-04:00

I use USAA for Auto as well as renters and banking. I am very satisfied with the service I have received from them. It seems like whenever there is a problem they try to fix it even if it is not their fault.

Response by PO1 Private RallyPoint Member made Aug 5 at 2014 9:13 PM

2014-08-05T21:13:35-04:00

I have to say this: USAA is fairly good..unless you live in Florida. Since I live in Florida - I'll have to say USAA sucks. 'Nuff said.

Response by SSG Private RallyPoint Member made Aug 5 at 2014 10:07 PM

2014-08-05T22:07:11-04:00

I'm not happy with anything I have to continually pay for when the odds are higher that nothing will happen. I hope some day insurance will be a one-time pay and hold service. In the mean time I use USAA with no complaints, although I think they should have an accident free discount.

Response by 1LT Private RallyPoint Member made Aug 5 at 2014 10:29 PM

2014-08-05T22:29:57-04:00

I have used them for decades and I am absolutely, totally, and utterly satisfied. This insurer is far and away better than the competition !!!

Response by SGT Cody Miller made Aug 5 at 2014 10:38 PM

2014-08-05T22:38:21-04:00

Have been using them over 10 years now, have only had to make two claims, but had great experiences both times.

Response by SSG Ed Mikus made Aug 6 at 2014 1:46 AM

2014-08-06T01:46:18-04:00

I have had USAA for 14 years, i love it! every time i had an auto claim they paid it, no issues, few questions, and they were quick about it.

Banking there is very good as well, the only thing im not completly happy with is renters insurance and i have heard bad things about home owners insurance from them.

Response by SSgt Robert Horton made Aug 6 at 2014 11:53 AM

2014-08-06T11:53:03-04:00

I have had USAA since 2002 and they are top-notch! I wouldn't change unless i had to! I have had 3 claims in the last 12 yrs and they have taken care of me very well! Customer service is awesome! Claims service is the fastest I have ever seen!

Response by CW3 Private RallyPoint Member made Aug 6 at 2014 1:59 PM

2014-08-06T13:59:24-04:00

Got it. Love it. I got rear-ended by a 2LT at the beginning of July. I knew I was coming to Ft. Gordon for my WOAC, and USAA got my car into a shop where they fixed it, quickly. When the accident's not your fault, or the damage is above a certain amount, they waive the deductible.

Once you qualify, you're in USAA for life if you want it, and your family can get in through you. DO IT!!!!!

Response by CDR Thomas Gatliffe made Aug 6 at 2014 3:40 PM

2014-08-06T15:40:30-04:00

Have had USAA auto insurance since 1965. My kids (ages 34 to 45) all have USAA insurance. We also have USAA Federal Savings Bank accounts.
One nice program I like is buying my cars through their auto buying service. The last one I bought had the dealership moaning about how the USAA guaranteed price cut their profit to zero (yeah, right. They still make an adequate profit, I'm sure) and there was really no haggling until they got to their real profit makers like service plans, etc. At that point you just have to be firm with the dealership and say "no." USAA provides a sight draft for the purchase price of the car so it is the same as a cash deal for the dealership. Their auto loan rates are among the lowest, particularly if you maintain a bank account with them. Their on-line banking is super, too.
Since USAA is member owned, membership also includes a "cash distribution" feature in which the excess over and above the necessary insurance cash reserves is apportioned back to the members each year. Since I have several different account types with them, that usually results in a nice little chunk of extra cash just before Christmas.

Response by LTC Richard Wasserman made Aug 6 at 2014 4:08 PM

2014-08-06T16:08:05-04:00

I use USAA for all my insurance products. Their prices are better or at least competitive with everyone else. I 've had other companies try to give me a quote, but when I tell them I have USAA, the say they can't compete. In addition to the prices, their customer service is OUTSTANDING. The only product not competitive was Long Term Care. I also do not use them for investments.

Response by LCDR Doug Nordman made Aug 6 at 2014 4:31 PM

2014-08-06T16:31:04-04:00

I'm impressed. This is the first USAA thread I've read anywhere that had no complaints. Usually I run into at least one poster who's incensed over an auto repair.

Every year USAA invites 20-30 bloggers and social-media mavens to their San Antonio HQ for presentations & previews. I've found cousins & shipmates working there, and they're absolutely thrilled with the employee quality of life. (The biggest complaint: long walks across hot parking lots in August.) I've learned a lot about insurance & finance products from their staff. I'm not looking for a job, but if I was then I'd want to work at USAA. If you're a veteran or military spouse who's even mildly interested in living near a USAA service center (or in San Antonio) then contact them for an interview. They're trying to boost their military hiring rate to 30% of the new employees.

Believe it or not, profit is not the motive. All compensation is tied to member service, not "growth" or "claims payout ratio" or other cut-throat metrics. The key is automating the most common member service (and using tech to reduce the costs) while offering exceptional service in emergencies. I downloaded the USAA app just to test-drive their accident reconstruction tool-- you can file a claim before the tow truck even arrives.

On the customer side, we have three generations of Nordmans with USAA. I manage my Dad's finances as his conservator, and they are the ONLY company that understands the difference between guardian & conservator-- and the only company that didn't laugh and hand me a new stack of forms to have notarized. The member rep handled the money transfers over the phone and even walked me through the first CD purchase. Outstanding, and a huge relief after the typical conservator experience.

If you have a question about "Why does USAA do that?!?" or some other feature, I can either answer it or go find out for you. Most of their new products are driven by member questions and requests.

Response by SPC Andy Martin made Aug 6 at 2014 6:17 PM

2014-08-06T18:17:58-04:00

I used USAA for several years on my auto but then I inherited a house and needed home owners insurance. I gave USAA the first shot at it and it was not even close to the price I got from Germania. To get it all right I switched my auto to Germania.

If I only had a need for auto I would go back to USAA or if they get better homeowners I would switch back.

Great customer service, I still have a credit card with them

Response by MSG Jaime Barzana made Aug 6 at 2014 8:00 PM

2014-08-06T20:00:34-04:00

Get USAA insurance and don't look back. If you get into an accident, you WILL NOT get the run around. I speak from experience.

Response by SCPO Private RallyPoint Member made Aug 6 at 2014 9:35 PM

2014-08-06T21:35:41-04:00

I finally switched to them a little over a month ago. It was simple and a very pleasant customer service experience. I had my insurance cards via email in like 5 min.

Response by SSG John Durham made Aug 6 at 2014 10:51 PM

2014-08-06T22:51:30-04:00

I have been with USAA for Auto Insurance, Renters, home owners, personal property, life insurance, checking, savings, credit card and even home loan. Started with them about 9 years ago. I havent had any problems with them

Response by Cpl Matthew Wall made Aug 13 at 2014 2:10 PM

2014-08-13T14:10:10-04:00

I'm very happy with USAA. I use them for just about everything. I have a savings, an IRA, and our insurance is a bundled plan. They are always courteous and are always willing to help you out. The Auto Insurance is great and is usually the lowest rates that you will find.

Response by CPT Robert DelGiorno made Aug 13 at 2014 3:42 PM

2014-08-13T15:42:17-04:00

I have had USAA since 1976, being a son of an USAF officer, and since I entered the Army in 1982. Have never had a problem with them in those nearly 40 years and 30+ cars and 4 houses. By far the best insurance company hands down!!

Response by SSG Private RallyPoint Member made Aug 17 at 2014 11:11 PM

2014-08-17T23:11:31-04:00

I have USAA and do like them online you can change your amount of coverage you want online which is nice and they provide me with better coverage for the same price as my past insurance state farm. I am pleased with them.

Response by LTC Martin Metz made Aug 18 at 2014 1:45 PM

2014-08-18T13:45:14-04:00

I roll my one civilian bank checking account in my home town into USAA so I can see all banking / investment actions on one site. I can even transfer money into or out of this non-USAA account to my USAA accounts. It's convenient and safe.

Response by Maj Robert Reiss made Aug 18 at 2014 2:55 PM

2014-08-18T14:55:47-04:00

Since I have had USAA for over two decades now, I can submit that I have more positive than negative things to write about. However, the negative ones tend to stand out. Before I delve into that, I will also supply the fact that I will most likely not change my banking, home or vehicle insurance w/o a significant reason (saving a few bucks is insufficient).

So, the negatives:
when I was robbed (vehicle break-in) during a PCS move, USAA car insurance took care of the vehicle portion wonderfully. Since this was a partial-DITY, I had several valuable items taken (most not replaceable) and others destroyed. Although I fully documented all stolen/destroyed items (complete w/costs, actual and replacement), USAA only reimbursed me 1/3 of the amount I accounted for. [side note: perp was caught, sentenced, etc and the judge provided for some restitution ( less than 10% of actual damages) with the reason that I "had insurance"]
In the aftermath, I took note that my new homeowners insurance (for my new home) was increased. No doubt to 'recover' the meager amount I was paid.
Due to so many PCS's, I also took note that my car insurance increased with every move. WY to FL (up), FL to MD (UP) MD back to FL (UP), FL to NE (up) NE to MD (UP), MD to KY (up)
Now, the vehicles, drivers and even the addresses/zip were the same in some cases; the only change was the year. I question this every time and get no satisfactory answer.
I will not get other credit cards. Even my local credit union has a sweet deal from time to time but why add another card?

Response by MAJ Haris Balcinovic made Aug 19 at 2014 1:57 PM

2014-08-19T13:57:13-04:00

I've had USAA for over 8 years - love them. Some people say they can get better rates elsewhere, but I combined car, home owners, and couple of other things so I get a really good deal. No issues with claims - really good customer service.

Response by Maj Private RallyPoint Member made Aug 19 at 2014 4:42 PM

2014-08-19T16:42:25-04:00

Yes, I have been with USAA since 1978. I have nothing but good things to say about them. We went for years without a claim and then a hail storm rolled through here with hail the size of base balls. It destroyed our roof and the tops of two trucks we owned. We had a little problem getting the right adjustor at first but they wound up replacing the roof with a 50 year roof since that was what was on our house and restored the two trucks and you couldn't even tell they had hail damage. About two years later an employee where I worked t-boned my 2006 C6 Z06 Corvette. He just happened to also be covered by USAA. I stopped by a auto body shop I knew on the way home and they said go ahead and leave it. We love dealing with USAA and there weren't any problems putting the Vette back together.

I used to compare rates with other insurance companies but then I stopped because no one could ever beat USAA.

Response by SPC Daniel Edwards made Nov 19 at 2014 10:34 PM

2014-11-19T22:34:40-05:00

USAA has been amazingly awesome. They are pretty cheap and always friendly. If the state you're living in has a discount for military, they will make sure that you get it.

Response by SGT Kevin Smith made Jan 23 at 2015 9:51 PM

2015-01-23T21:51:54-05:00

I have USAA for my Car. I really like them. Highly recommend.

Response by LTC John Shaw made May 18 at 2015 10:06 PM

2015-05-18T22:06:21-04:00

@SGT Ben Keen I will add to the long list of happy USAA customers. I have used them since 1988 for insurance of all kinds, investments, banking and loans. I have four drivers in my house and find the insurance is not the cheapest but competitive and maybe the cheapest after you count the annual SSA distribution.

The only complaint I have heard is when USAA must pay out on a loss. They will find the cheapest way out. The members who have older cars may find when an older car is totaled, the payout is very low, compared to the value of the car to the family.

Response by COL Mikel J. Burroughs made May 19 at 2015 12:24 PM

2015-05-19T12:24:40-04:00

Yes I've used USAA and I'm extremely happy with their service. All of my children are members now. I give USAA a big thumbs up. By the way, they aren't the cheapest, but they have been reliable and they have taken good care of any insurance situation that I've had in the past.

Response by MAJ Ken Landgren made May 19 at 2015 12:51 PM

2015-05-19T12:51:43-04:00

I use USAA for auto insurance. I want to folks to think about under and uninsured motorists. One bad accident can alter your life physically, mentally, and financially.

Response by CW3 Kevin Storm made May 28 at 2015 11:48 AM

2015-05-28T11:48:31-04:00

Yes, and Yes. Very happy with them!

Response by Sgt Kelli Mays made Sep 14 at 2015 9:55 PM

2015-09-14T21:55:37-04:00

Yep, I have USAA auto insurance, Home owners insurance and Investment rental property insurance and I've never been happier...I wandered off and strayed once or twice, but always came back to USAA....and I'm sticking with them...No more wandering off.

Never any problems..they are super quick...super polite and super accommodating...

The last time I called they said Thank you Ms Mays for 31 years with USAA.

Response by SSG Private RallyPoint Member made Sep 14 at 2015 10:11 PM

2015-09-14T22:11:39-04:00

USAA is great! I've had them for over 20 years. They are very good with the whole claim process.

Response by Maj Private RallyPoint Member made Sep 17 at 2015 5:29 PM

2015-09-17T17:29:18-04:00

I've been with USAA since 1978. I would check rates with other providers the first few years but since quit because no one could touch their rates. I have had one insurance rep tell me he wouldn't even give me a quote after finding out I was with USAA because he couldn't compete. My two sons are also with USAA. I've had two claims, one was a hail storm with hail the size of baseballs. They quickly took care of our two trucks and replaced our roof. The other claim was when someone t-boned my Vette at work. No complaints at all.

Response by SCPO Private RallyPoint Member made Mar 21 at 2019 9:46 PM

2019-03-21T21:46:22-04:00

I've had USAA home, car, motorcycle, boat, and RV insurance for 24 years. I have the industry's self-acknowledged best insurance company. Why would I go anywhere else???

Response by CWO3 Private RallyPoint Member made Mar 26 at 2019 1:20 PM

2019-03-26T13:20:13-04:00

USAA for 30 plus years. Good to go for me.

Response by SFC Private RallyPoint Member made Nov 30 at 2019 8:48 AM

2019-11-30T08:48:54-05:00

Used USAA for years. Now after filing a claim, I’m disgusted and ready to hire a lawyer. I recommend you call jake from State Farm instead.

Response by CSM Darieus ZaGara made Nov 30 at 2019 9:16 AM

2019-11-30T09:16:14-05:00

I have been with USAA for well over 25 years, there service is prompt and thorough. We have had housing claims, auto claims, furniture in transit at no additional cost etc. We even use their banking and it too is very user friendly. Thank you for your service.

Response by LTC Private RallyPoint Member made Dec 10 at 2019 10:52 PM

2019-12-10T22:52:56-05:00

I'm growing more and more weary that USAA is not the company it once was. I've been a member since I turned 15 and began driving on a learner's permit. I currently have my auto insurance with them, renter's policy, an umbrella policy, 2 credit cards, 2 checking, a savings, and an investment account. I've had a couple successful claims with them, and though I feel like they low balled me when I negotiated for vehicle replacement price, they handled each claim professionally, and when I was not at fault, it was basically a phone call and perhaps an email or two, and they handled everything else on their end.

All of that said, my friends complain more and more frequently about their claims, and in several cases of which I'm aware of the details. When I call, the agents don't seem as sharp as they used to. I feel like this is the result of their expansion from an exclusively military officer oriented company to the point where now, genuinely, a veteran's daughter's ex-husband's child can become a member.

So, I'm beginning to look for the next company that's willing to step up and fill the niche market that caters to lower risk people is willing to keep their service restricted to them.

https://debtfreegeek.org/2017/09/22/become-usaa-member-even-arent-military/

How to Become a USAA Member Even If You Aren't in the Military - Debt Free Geek

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Response by SFC Clifford Brewer made Jul 21 at 2021 7:04 AM

2021-07-21T07:04:26-04:00

No.. I am no happy with USAA it is
very expensive here in Germany I
have 2 cars..6 & 10 yr old