If you are or have been a USAA policyholder, how would you rate your experience?

2016-08-20T11:00:33-04:00

Response by CAPT Kevin B. made Aug 20 at 2016 11:07 AM

2016-08-20T11:07:05-04:00

They've been good to me. Far better than State Farm.

I've got auto, home, personal property with them. Their auto buying service is a good start. However you can get a better deal by leveraging that against the Costco one. Their financial advisors are salaried, hence don't work on commission. However they're typically overloaded, hence were not useful to me.

Response by SSG Private RallyPoint Member made Aug 20 at 2016 11:18 AM

2016-08-20T11:18:07-04:00

Great! I switched auto insurance cause USAA cost a little more, but there has never been an issue that one phone call didn't fix!

Response by LTC Stephen C. made Aug 20 at 2016 11:26 AM

2016-08-20T11:26:08-04:00

SFC Private RallyPoint Member, I've used USAA for auto, home, umbrella and personal articles insurance since I was commissioned in 1973. I used to check other insurance companies for pricing, but USAA's service is so good I haven't "shopped" them in over twenty years. For property and casualty insurance, there's none any better. I've never used their other services so I can't speak about them. Their customer service teams are excellent and I've NEVER had any issues with claim payments.

Response by LTC Private RallyPoint Member made Aug 20 at 2016 11:43 AM

2016-08-20T11:43:02-04:00

I have used USAA since 1998 for banking, investing, property/auto insurance (they don't offer MC insurance), mortgage and car buying. I really like their car buying process and highly recommend that anyone use it.
I found better life insurance through the Army/Air Force Mutual Aid Association. I took the AAFMA policy to USAA to make sure it was legit and they vouched for it but couldn't beat their price especially for my wife and kids.

Response by MSG Private RallyPoint Member made Aug 20 at 2016 11:44 AM

2016-08-20T11:44:09-04:00

So far, I have not had a single issue with having coverage from USAA.

Response by CPT Jack Durish made Aug 20 at 2016 11:51 AM

2016-08-20T11:51:22-04:00

Not just insurance. Banking and investment too. I feel great pity for civilians who have to use BofA, Wells Fargo, Chase, etc. I must use them for business banking (USAA doesn't support this) and those are all terrible experiences. USAA lives by their motto, "We know what it means to serve". Let me tell you a story... The IRS or US Postal lost a check. When I called the IRS to find why they hadn't deposited it, they advised me to stop payment and send another. I called USAA. On their own suggestion, they stopped payment on my personal check, cut a bank check and sent it FedX to the IRS - ALL AT NO CHARGE. Now, I wouldn't say that you can expect that same treatment (I wouldn't want to commit them to it) Let's just say "I caught them on a good day" As for insurance, when telemarketers call, I just say, "I have USAA" and they hang up. They know they can't get past the customer loyalty

Response by SGM Erik Marquez made Aug 20 at 2016 11:52 AM

2016-08-20T11:52:36-04:00

Bar none, best I have ever had.. I use three companies now, Home, Auto and trailers USAA, motorcycles Progressive, Business liability Allstate....... USAA has been awesome for Home, Renters and auto claims over the years. Fast claim management and payout, no hassles with replacement costs. And covered everything they need to and could under the policy. I don't shop other provides regularly but when I hear someone speak well on a company I will call and give then a look. SAFECO was the latest just a few days ago.. After being on hold and passed around to 4 different people for 32 in I hung up...even if they had beat the $$ for my USAA policy the service was horrible, and that was what they had as a standard while trying to GET my money, imagine what it would have been like after they had me as a customer and I was trying to get some money back.

Response by SCPO Private RallyPoint Member made Aug 20 at 2016 12:11 PM

2016-08-20T12:11:20-04:00

This one's too easy...an 11 out of 10. Been a member 20 years. Would have joined when USAA started, but it was only available to officers for many years.

Response by Capt Private RallyPoint Member made Aug 20 at 2016 12:20 PM

2016-08-20T12:20:42-04:00

It was many tears ago. I bought a new car on Wednesday. Got involved in a 6 car accident on Saturday. Adjuster came to look at my car and I said I want all new parts not repairs. He looked at me questionably. I said look at the odometer. He did. I got all new parts. I had to pay my deductible until the insurances companies involved all settled. Then I was reimbursed. USAA handled everything. They were great.

Response by CW2 Geoff Zorger made Aug 20 at 2016 2:50 PM

2016-08-20T14:50:14-04:00

Since 1972 when I went from Warrant to Commissioned Officer I have been with USAA. My motorhome is with Progressive with a discount mandated by USAA and my 1970 Corvette is through Collectors and it is also discounted due to USAA. Call them and ask a question, and you will get quick and friendly and correct information. Homeowners insurance is as competitive as well. Plus , as I recall over 25% of their employees are veterans. Satisfied....... you bet!!!

Response by SGM Steve Wettstein made Aug 20 at 2016 3:03 PM

2016-08-20T15:03:38-04:00

I've been using USAA since 95. Always have had great service. They are very customer orientated. I have home, auto, electronics, and valuables insurance with them. Had renters insurance when I rented. They even replaced my Surface Pro 3 when I moved to TN. I normally put it in my computer back pack but placed it in a computer bag in my truck when we moved. Some how, during the move, I crushed the touch screen on the computer. Made it useless. Thought what the hell I will call them and see what they say. They said that it was covered, which really surprised me, and direct deposited the money in a few days after making the claim.

Response by Capt Gregory Prickett made Aug 20 at 2016 3:25 PM

2016-08-20T15:25:20-04:00

Been a member for over 35 years, and will be until I either die or they kick me out. Outstanding service. In addition to insurance, I bank with them too.

Response by ENS Private RallyPoint Member made Aug 20 at 2016 11:11 PM

2016-08-20T23:11:13-04:00

1,000x better than my experiences with Navy Federal.. Let's say that. Navy Federal is so anti-military (in my opinion) it's sickening. They offered me a loan at 12% for a NEW $25,000 car. The dealer couldn't even believe it. Ended up getting a 4% loan through First Hawaiian Bank. My Navy Federal Credit Card started off at 19.9% APR (when every other card I have are either 0%, 4%, or 6%. Navy Federal never seems to be available to reach and has fees for everything! Also, found out after 4 years that they were charging me some form of protection "in the case I die my debts will be waived" at the rate of $34 a month.. $1600 essentially.

I know that isn't what you were asking, but USAA has always been transparent, offered me acceptable APRs, has a very user friendly website allowing you to view ALL your accounts - even from other institutions, and offers great auto, personal, rents, and jewelry insurance. Perhaps a higher initial APR on their Credit Card, but not like Navy Federal.

*I have a $20,000 credit limit with both companies.

Response by MSgt John McGowan made Aug 21 at 2016 5:16 PM

2016-08-21T17:16:26-04:00

SGT. The USAA is a good company for the military. I have found nothing negative about it. I did not insure my vehicles with USAA because I was able to get a farm policy and it was cheaper. So my home insurance is with the farm policy. Works better for me.

Response by SGT David T. made Aug 22 at 2016 8:08 AM

2016-08-22T08:08:53-04:00

I use them for banking, house and car insurance. Their rates are great. Their customer service is exceptional. When a tree branch fell on my car, they were out there within a day to evaluate the damage. Within a week, my car was repaired. Even if something isn't covered under your policy they do help you to find ways to fix the issues you are having. I ran into this when I had some wind damage to my roof. It wasn't covered under that policy, but they pointed me in the right direction. I cannot say enough good things about them.

Response by SFC Private RallyPoint Member made Aug 22 at 2016 8:24 AM

2016-08-22T08:24:48-04:00

SGT Ingram I have had USAA auto insurance since 2005 and never had an issue. I pay around $180 full coverage for 3 vehicles. I mentioned in one of the previous post that Home Insurance is also the best out there I have called numerous companies and been told they cannot match USAA. But I will say the only one thing i am not happy with is their Auto Loan rates When i called a while back I got like 3-4% while Navyfederal gave me 1-2% go figure. So basically I have USAA and Navyfederal.

Response by SFC Private RallyPoint Member made Aug 22 at 2016 8:36 AM

2016-08-22T08:36:50-04:00

Been a member for over 20 years, through the years I've had companies try to beat the rates to no avail. I have Auto and Home Insurance, Bought my home with them My bike and now my latest auto, no one could beat their rates. Also have Savings with them. Wife got in a real bad accident years ago, we were sued and USAA was Johny on the spot with their lawyers. Home got robbed a couple of years ago and once again USAA did everything they could to minimize that bad experience. I wouldn't go with anyone else and am constantly referring anyone that's eligible to them.

Response by SFC Private RallyPoint Member made Aug 24 at 2016 10:25 AM

2016-08-24T10:25:32-04:00

I have been with USAA for ten years and I use them for everything except my home loan. I got money from them to fix my house while I was in Italy. Best there is.

Response by MAJ Ken Landgren made Apr 16 at 2019 5:03 PM

2019-04-16T17:03:57-04:00

Out freaking standing.

Response by SSgt Private RallyPoint Member made Apr 16 at 2019 10:54 PM

2019-04-16T22:54:23-04:00

Insurance - awesome. Banking - a bit better than commercial banks, not as good as credit unions. Using coverage on loans supplied by 3rd party contractors - absolutely sucks. Heading into arbitration after being refused twice for following their rules.

Response by SFC George Smith made Apr 17 at 2019 12:06 AM

2019-04-17T00:06:29-04:00

Since I was 16.... Great … Both Home and Auto

Response by SPC Casey Ashfield made Apr 17 at 2019 1:56 PM

2019-04-17T13:56:13-04:00

Only for banking currently. And they are great at that.

Response by MAJ Ken Landgren made Nov 8 at 2021 11:54 PM

2021-11-08T23:54:42-05:00

I highly recommend uninsured underinsured coverage as well as loss of salary.

Response by SrA John Monette made Nov 9 at 2021 12:06 PM

2021-11-09T12:06:24-05:00

Excellent insurance. May be higher than some, but they are there when we need them, including in blizzards. Wish they still had the car buying service.