USAA Auto Insurance Review

USAA stands for the United Services Automobile Association. Founded in 1922, by 25 Army officers in San Antonio, Texas, USAA started out as an auto insurance organization.These soldier were unable to find anyone to give them auto insurance for their automobiles, so they took it upon themselves to insure each other.

Today, the company is a financial services giant, offering auto, homeowner, and renters’ insurance, along with banking and investing services. USAA currently serves around 8 million members. Find and compare auto insurance with our ZIP code search! We will compare companies, like USAA, and find the best deal for you!

USAA is not publicly traded, without shareholders, focus remains on member satisfaction. Since the company was originally conceived to support the unique needs of the military, membership is required to use their services. Membership eligibility is granted to people who have honorably served on active duty in any branch of the military, their spouses/former spouses, and their children.

Officer candidates who are about to receive commission are also eligible for membership. We are here to help with your auto insurance comparison! With our comparison tool, we can help you save the most money possible!

Auto Insurance Coverage

Drivers who join USAA and obtain auto insurance from them can expect reliable coverage at reasonable prices. USAA offers coverage throughout the United States. Liability, collision, and comprehensive coverage levels are available, including optional coverages for rental vehicles, roadside assistance, and other services.

USAA auto insurance agents are available by phone to guide buyers through the process. Agents are well versed in state and local auto insurance requirements, such as coverage minimums for liability insurance. This ensures that customers will purchase the right amount and types of auto insurance policies, based on where they live, and their unique situations.

Because USAA primarily does business online, it is possible to complete the entire quote and buy insurance online. Customers who buy this way may be eligible for a auto insurance discount of up to $50, depending on where they live. Once an auto insurance policy is purchased, its easy to manage online.

All the information a customer might need, including proof of insurance, coverage details, and premium amounts, are available 24/7 The printable insurance cards are one of the most convenient features. If an insurance card is lost, simply logging into the account and printing a new one solves the problem. There’s no need to call the company and wait for another card to be mailed.

Features Unique to USAA

The USAA Auto Circle offers drivers the option of choosing, purchasing, and insuring a vehicle, all from one place. This program also offers discounts off the purchase price of the car, depending on the make an model, and only applies to new vehicles. Members may also be eligible for separate USAA manufacturer incentives, however, this will depend on a number of factors.

Also, active duty military members who live and store their vehicles on a military base are eligible for a special discount of 15%. This discount is deducted from comprehensive or collision coverage premiums.

Discounts Available

A wide array of auto insurance discounts is available from USAA. While it should be noted that not all discount types are available in all states, most drivers will qualify for at least a few of them.

These include a safe driving discount, which is earned by reaching five consecutive years of good driving habits, defensive driver training, and good student discounts, which reward younger drivers for academic achievement. Compare and free auto insurance quotes with our FREE ZIP code search!

Loyatly discounts are also offered, so the longer a driver maintains coverage with USAA, the lower their rates will be. Continuing a policy held by ones’ parents garners a family discount of 10%, and using multiple USAA products (banking, investing, etc) can also lead to a small rate reduction.

If a driver needs to store an insured vehicle, a small discount is applied to the premium. Also, incentives for insuring a car less than three years old, insuring multiple vehicles, or driving less often can all lead to discounts on USAA premiums. Compare auto insurance rates for FREE with our ZIP code search!

Customer Service

USAA is well known for providing excellent, US based customer service. There are many knowledgeable, friendly representatives available during business hours to assist members with their insurance needs and answer their questions.

Emergency assistance is also available 24/7, and those reps are just as competent. Bloomberg BusinessWeek has declared USAA a Customer Service Champ for the past four consecutive years. Check out our auto insurance reviews and see where your current company rates!

Members rave about the service they receive at the USAA forum, and the average rating they bestow is 4.7 out of 5 possible points. A full 93% of members recommend USAA auto insurance to their friends.