Car Insurance

USAA Car Insurance Review

By Peter Mondrose Peter Mondrose is the Head of Insurance Content at Bankovia. He received his degree in Economics in 1998 and a second degree in Journalism in 2004 from the University of Chicago. Most recently he served as Head of Content at QuoteYeti.com, and editor at BusinessPundit.com 5 minute read

USAA Car Insurance Company customers who qualify for vehicle and house insurance receive exceptional service at a reasonable price.

You may read what we had to say about USAA car Insurance in the table below.

USAA Pros and Cons

Pros

USAA Car Insurance Review - USAA Car Insurance Logo
  • There are several insurance coverage and benefit alternatives available.
  • Insurance premiums that are affordable

Cons

  • Limited eligibility

Who is eligible for USAA coverage?

To be eligible for USAA’s insurance products, you must be a member of the military on active duty or retired, or a member of their selected family. USAA is a top-rated insurance company due to its ability to focus only on a limited group of clients. Customers may obtain insurance and save money by joining USAA. They will then qualify for a variety of member benefits and discounts.

USAA membership is absolutely free and has a host of advantages. To determine your eligibility for USAA insurance, dial 800-531-USAA (8722) or see the eligibility breakdown below.

Who can join USAA?

USAA membership and insurance coverage are offered to active-duty, retired, or separated military personnel (with an Honorable discharge from the U.S. military). Veterans, both active-duty and reserve, as well as their wives and dependent children, are encouraged to apply.

Participation is also open to anyone enrolled in the USSA, prep school, or ROTC program, such as officer aspirants and contractual midshipmen.

Families, including the individuals named below, may also join USAA.

  • Spouses 
  • USAA members’ widows, widowers, and unremarried ex-spouses
  • Children of USAA members
  • Step-children of USAA members

USAA car insurance ratings

According to consumers and claims, USAA is one of the most successful insurance companies in the world. We’ll examine customer reviews, price information, and policy alternatives at USAA to see whether we can save you money on auto insurance.

  • Claims satisfaction — Excellent. USAA is one of the most customer-satisfied insurance companies, according to a recent J.D. Power research.
  • Excellent customer satisfaction. According to J.D. Power USAA’s automobile insurance has a very high customer satisfaction rating.
  • Financial strength — USAA is well-positioned to meet its claim-payment obligations in the future, according to AM Best’s “Superior” financial strength grade.
  • Excellent NAIC rating. The National Association of Insurance Commissioners (NAIC) received relatively few complaints regarding USAA vehicle insurance when compared to the industry average.

Where is USAA car insurance available?

USAA is available in every state, as well as the District of Columbia.

USAA auto insurance coverage options

USAA also offers coverage for uninsured and underinsured drivers, as well as liability, collision, and comprehensive insurance. The table below summarizes these unique coverage choices and add-ons, along with standard USAA price.

USAA extended benefits

If you are involved in an accident, this insurance will cover lost wages, disability compensation, and death benefits.

USAA roadside assistance

This optional coverage provides assistance with lockouts, gas deliveries, tire replacements, and towing.

Rental reimbursement

Your reimbursement for rental car fees is determined by the level of coverage you select. If your car is damaged as a consequence of a covered loss that does not involve routine maintenance, depending on your level of coverage, you may be able to use this coverage for a specified length of time and up to a predefined amount.

Accident forgiveness

If you are a USAA client and have not been involved in an accident in the previous five years, your insurance price will not increase. Visit this page to learn more about how accident forgiveness works.

USAA rideshare coverage

If you are a USAA client and have not been involved in an accident in the previous five years, your insurance price will not increase. Visit this page to learn more about how accident forgiveness works.

USAA membership auto insurance benefits

The privileges of membership in USAA are an excellent complement. When it comes to driving, having a USAA membership comes with a number of benefits.

USAA membership benefits: car loans

USAA assists its members in three ways when it comes to auto loans:

  • Loan flexibility. You may save up to 84 months’ worth of monthly payments on new autos.
  • Application fee waived.
  • Attractive rates. The USAA Automobile Buying Service, which is detailed in further detail below, may assist you in saving money on your USAA car loan.

Apart from these benefits, USAA aids members in ending lease contracts on leased automobiles and offers special financing for disabled vehicles.

USAA car buying service

The automotive purchase service offered by USAA benefits members in the following ways:

  • Discounted prices. Accredited dealers may provide discounted vehicles, waive dealer fees, and make other concessions to buyers.
  • Comparison of dealerships. Comparing pricing from tens of thousands of dealers enables USAA members to discover the best bargain.
  • Comparative pricing. USAA illustrates the pricing differential between members and non-members of the same brand/model.

USAA bonus cash offers

USAA forms strategic alliances with automotive manufacturers in exchange for a substantial up-front discount. USAA members may save hundreds of dollars on new autos purchased via USAA, depending on the business. To enhance savings, the following efforts have been implemented:

  • Up to $1,000 off Jeep
  • Up to $1,000 off Dodge
  • Up to $1,000 off RAM
  • Up to $4,500 off Mercedes-Benz
  • Up to $1,000 off BMW

USAA car buying tools

After you’ve located the car of your dreams, USAA’s membership services may assist you in creating a budget-friendly spending plan.

  • Auto loan calculator
  • Monthly cost breakdown calculator

USAA insurance discounts

Several discounts are available to USAA members. In this collection, you’ll find a lot of interesting things.

Discounts for safe driving

  • Safe driver discount. Drivers who have been accident-free for at least the past five years may employ this strategy.
  • Driving defensively. Drivers who have successfully completed a defensive driving course are eligible for this discount.
  • Driver education. Students under the age of 21 who have successfully completed a basic driver education course may qualify for a reduction on their insurance.
  • Excellent student. Students with a GPA greater than 3.0 are eligible for a tuition reduction.

Discounts related to your vehicle

  • New vehicle. This discount is valid for vehicles that are less than three years old.
  • Multi-vehicles. This is only relevant to policies that cover two or more vehicles.
  • Mileage per year. Your mileage may qualify you for an insurance discount.
  • Storage of automobiles. If you keep your car in storage, you may be eligible for a premium discount of up to 60%.

Discounts related to your membership status

  • Discount for family members. If your parents were USAA members, you will receive a 10% discount on your own USAA insurance.
  • Savings period for membership. USAA promotes its affordable insurance rates as a method to save money.
  • Military personnel receive a discount on installation.
  • If you park your car on a military post, you may save 15% on your insurance payments.

USAA car insurance cost vs. Competitors

  • USAA. $106
  • GEICO. $94
  • Progressive. $104 
  • State Farm. $108
  • National Avg. $124

USAA bundling options

When you combine your vehicle insurance with your homeowner’s or renter’s insurance, many insurance providers offer savings for having several policies. Members of USAA can purchase supplemental insurance.

Here are a handful of the most popular choices.

  • Homeowners
  • Renters
  • Condo
  • Life
  • Landlord
  • Motorhome
  • Pet insurance
  • Motorcycle
  • Boat and watercraft
  • Off Road vehicles and ATVs
  • Classic car insurance
  • Umbrella
  • Farm and ranch
  • Small Business

How to cancel a USAA policy

Call 1-800-531-8722 to terminate your USAA insurance. Additionally, you may send a written request for cancellation to the following address:

USAA San Antonio is situated in San Antonio, Texas at 9800 Fredericksburg Rd.

Bottom Line

USAA is a fantastic alternative for many active-duty military people and veterans due to these qualities. Apart from that, one of the company’s minor shortcomings is its lack of a web presence.

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