USAA sells auto and property insurance to members of the U.S. military and their families. USAA doesn't currently participate in the InsuraMatch program. If you're a member of the U.S. military in need of insurance, contact InsuraMatch today to see multiple offers that could work for you. *ConsumerAffairs insurance program, powered by InsuraMatch.
USAA offers auto coverage to all active and retired military personnel and their immediate family members. It enjoys mostly positive reviews from clients because of its excellent customer service and online experience ratings. Products include coverages and discounts for drivers, their cars and their passengers.
- Affordable rates for USAA members
- Stored-vehicle discount for military personnel
- Superior financial strength and claims servicing
- Online tools for policy management, roadside assistance and claims requests
- Some discounts not available in some states
- Products open to USAA members and their immediate families only
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My husband and I have been loyal USAA customers for well over a decade. Although USAA is not the least expensive insurance, we maintained our homeowners and car insurance with USAA because of their focus on military personnel (my husband spent 12 years in the Navy) and customer service. Due to some financial considerations (we have two girls in college), we recently switched our insurance from USAA to State Farm. This was purely a financial decision. Ironically enough, on 3/4, a woman who is insured by USAA backed up into my car in a parking lot. It's been eight days and I have not heard anything from USAA. I've left 3 messages for the adjuster and have not received even one return phone call.
I guess this is what USAA looks like from the other side. We have been treated abysmally. We're driving around in a car that has a smashed headlight, and a left blinker that is non-functioning while we are desperately trying to get in touch with a company who we paid 75k+ to for over a decade plus. This experience has solidified that USAA has no respect for military personnel or former customer, unless they are being paid.
They should be banned from doing business in the insurance industry altogether. I have got nothing but a bunch of lies from them to where I am forced to file a complaint with state insurance commissioner. I advise everyone should do the same and try to take advantage of people who their clients caused damage to innocent people then rob them of fair settlement when their client is at fault just be as detailed as possible. I classify this company in the same class as child predators taking advantage of the innocent people because of their greed. If I was able to give them negative stars I would.
USAA was a great company for many years. Easy to talk to for getting insurance and easy to pay for the policy, however, filing a claim now is another story. When I filed my claim after receiving rear end collision caused by a Nascar wannabe driver who was speeding and weaving in and out of traffic, the first words I heard from USAA was, "It will cost you $500 before your car can be repaired." That is my collision deductible. When I called the recommended repair company, they said just wait until I pick up the car and pay it. I asked for a rental car but USAA said I would have to pay for it because the other car did not have enough insurance, and I did not have rental insurance. I have tried three times to talk to the adjuster and failed. I've been with USAA fifty four years and have had only four small claims. So let the buyer beware of USAA.
Coming from a long line of military, I’ve had USAA insurance for homes and cars my whole life and they truly were the best and cheapest for a long long time. In the last couple of years however, they have truly gone downhill. Their rates are outrageous and their customer service is very poor. It upsets me because I’ve always felt privileged to qualify for USAA and y husband, who has only seen the “new” USAA thinks I’m crazy for swearing they used to be good. We’ve had two bad experiences that despite my fierce military loyalty caused us to cancel our homeowners policy last year and I just recently I had to admit there is no good left in USAA and cancel my auto policy.
For homeowners insurance, within the last few years USAA started this new policy where they have an “independent” consultant come out and evaluate your home value and they base your insurance policy on that value. Shortly after we built our $500k house, the USAA consultant came and appraised our house at $1.2MM and adjusted our policy premium accordingly. After several months of huge payments deducted from our account, I contacted them, discovered we were over insured due to this appraisal and requested to only be insured for the cost of the house plus $100k for content which is way more than what it would cost to replace everything we own. They told me they could not reduce the coverage amount. I asked for a second appraisal because that one was crazy. They said they could only send the same person. I offered to provide lots of documentation.
In the end I was so frustrated I asked if my $500k house burns down tomorrow are you going to give me $1.2MM?? No answer. We changed insurance companies for homeowners and pay much less. I still had USAA car insurance until this week. I recently went online to get a copy of my proof of insurance card for my daughter and it said it wasn’t available. When I called USAA they told me my policy had been cancelled 6 weeks ago. I knew it had to be a mistake. Just 7 weeks earlier I had been on the phone with USAA because my auto draft payment had stopped working- apparently when I cancelled my homeowners I had a credit on my account which caused the draft not to be needed for several month so it automatically cancelled. Then when my credit was used up it didn’t kick back in.
At that time I spent an hour on the phone with the USAA agent getting the auto payment reinstated, making the next payment over the phone so I’d be covered and making some adjustments to the policy. And since that time USAA has been drafting my payment from my account every month and on Feb 8 I received new proof of insurance cards for the next 6 months...yet here I am on the phone and USAA is telling me my policy was cancelled on Jan 30. So why have you been drafting my payments in Feb and March? And why did you send me new proof of insurance cards on Feb 10th if I had no policy? And why didn’t you tell me my policy was going to be cancelled. I was livid because of the liability I had supposedly not having insurance for the last 6 weeks...even though they had taken payment and sent me proof of insurance.After talking to the agent for a long time and then his supervisor for a long time. I got no explanation except that the policy had been cancelled and did I want a new quote. No acknowledgment that none of this made any sense, that I was paying for a policy that supposedly didn’t exist and had new “proof of insurance” cards issued a week AFTER my policy was supposedly cancelled for no reason. They said they would they would launch an investigation but that my best bet was just to get a new policy...and that the new policy would cost more since they had cancelled my last policy. Maddening!! Obviously I went with someone else.
It is sad because I swear 10 years ago they were great. Now, don’t waste your money.
I have auto insurance through USAA and was in a car accident last year. We had a policy which included $5000 per person for accident related injuries. I was treated and they refused to pay the full bill because my provider treated me for 8 months. They claimed they were only responsible for covering 4 months of the payments. Why pay for a service that you cannot even use? What a joke! This company is crooked. We are cancelling our policy immediately. Medpay is the worst.
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I have been with USAA for a little over 3 years including Auto, VPP and Renter's Insurance and in all this time I have never made a claim. I recently shifted from being active duty to the civilian world so my bi-monthly consistent payments have shifted from being just that (consistent) to the civilian world's. I recently decided to change my date online to a later date in the month, I made this payment with sufficient time and what should have been acknowledge by glitch in the system was disregarded.
The result of this adjustment resulted in making two $300 payments in one month. I spoke to different employees on different occasions and they all agreed that this did, in fact, seem like a glitch in the system but that they would not be able to do anything for me and that my schedule payment for March was due as scheduled. Another employee informed me that USAA members are actually behind in payments and that because USAA allows members to stick to a 6 month plan they are actually just being afforded this convenience by USAA, when I asked if I they could adjust the date in order to have "that afforded convenience" they mentioned that they would not be able to adjust anything since the system is not actually wrong.
The worst part of this process was that I continuously asked for a Supervisor and I was first told that a supervisor was not on shift, on another occasion that a supervisor was not available and lastly (on my 5th call) I was told a supervisor was always there and that he has been the supervisor directing all the actions of the 2nd, 3rd and 4th calls. He refused to get on the line and instead opting to tell the 5th call employee that he did not know what I would think would result differently from my conversation with him since he was the one to direct each and every one of the employees to give me this information. This supervisor was aware of each one of my phones calls and refused to deescalate the situation.
All in all this left me extremely unsatisfied because not only is USAA not willing to uphold customer satisfaction they are not willing to uphold any integrity in their word. Essentially there is no accountability as far as making sure the customer is getting correct information. Even the most unsophisticated databases in the world can process a refund but they refuse to allow the customer a refund or date adjustment. My recent interactions with USAA have left me little faith in their ability to be able to handle the simplest of functions much less being able to handle a $30,000 piece of machinery and much less any situation potentially involving my life. I really do hope someone reads this review in the hopes that can save time and most importantly their hard earned money.
My biggest regret is not that I lost $300 but that I wasted 3 years justifying the price for higher customer service satisfaction. After 3 years all I can say is that I hope no one else go through this very expensive and very upsetting experience I've had. I have since cancelled my insurance policy and all they can really say about anything is that they are sorry; if you value actions over words this is not the company for you.
A tree from my neighbor fell over the fence damaging the fence and my storage (tuff shed) and I have had to call them multiple times with no response. At this point nothing has been done to fix the problem.
USAA claims to take care of the military when really they are just like any other greedy money making corporation. I am two time overseas combat veteran that has been a USAA member for years. When I was involved in an accident with another USAA member who was at fault, they are refusing to pay fair market value for the total loss of my vehicle even though I have provided them multiple times with proof of the actual value. I want USAA exposed for who they really are, a Greedy, Money Hungry Corporation that could care less about service members, veterans, or anyone else.
I decided to fill out an membership application, in order to get quotes for Auto and Home Insurance. The first thing I noticed, that was a warning sign, once I had provided my information, was that USAA already had a LOT of info about me? The quotes I received were based on Insurance Policies I already had elsewhere, which they obviously had access to? Both quotes, even factoring in a discount for multiple policies, were a little higher than my current ones so I decided I did not want to be a member after all. I discovered there is no way to "resign" online so I called.
I first had to answer several security questions, which was a further indication they had much information about me and my past. I was informed that once a member, always a member, even though that had been for less than 24 hours. The best they could offer was to put my name on a do-not-disturb list, which required waiting about 20 minutes, while listening to the same music bar over and over. My advice is to stay away from this organization unless you want to establish a life-long relationship, on their behalf. Separating yourself from them is kind of like trying to close a Facebook Account, except that, if you stick with it, you can finally get that done. They are not about Veterans and Active Duty Military, except that designated group of people offers a VERY large potential list of customers. Nothing in the application process offers any explanation that you are "Signing Up For Life". Beware!!!
Not covered if you're on a dirt road, even if it's a county road, etc. Won't come help at all. Was also told that not covered to get keys out that were locked into a rental car (automatically locked even with keys in the car). Know what you're getting. Back to AAA I go.
Please note that I just received an alert from my bank and found that USAA charged my account twice for my auto insurance payment. I am being told by USAA that there was a system glitch and cannot fix this problem until they know why this happened. I have to wait until they figure out what the problem is before they start refunding the duplicate payments. Is this insane or what? This is theft! I was told there was no manager on duty. I told them they should fix this on a customer by customer basis but was told they did not have the authority to do this. Can an attorney help me with this? That was a lot of money deducted from my account and I have to wait until they can figure out why it happened and then do a big sweep to fix everyone's account at once. Never sign up with USAA!
USAA is the most overpriced insurance ever. They are charging me $966.59 every 6 months for my F150 (clean driving record). I never thought to shop them, then I did and I found out it was $400 for 6 months with Progressive. I believe USAA is taking advantage of military and from all the other disable Vets that use you.
We had a work vehicle hit by a USAA policy holder. He admitted to the fault. I filed a claim by phone and was told it would have to be investigated and given the name of our adjuster. I was told that I would be receiving a call from our adjuster within a few days. One week went by and I called back in and had to leave a vm with our adjuster. No return call. Called back, left another vm. No return call again. I called back in, spoke with someone else and was told that their systems were down and that I would have to call back in again.
After 2 more attempts finally spoke with a gal that was a little more helpful and was told that the claim had been approved and I would be getting a call from our adjuster to work out where to take the vehicle and about getting a rental car while it was in shop. No call back. I called the repair shop and was told that I could bring it in as they had received a call regarding the claim, but when I got there, they said that the estimation form was never sent to them by USAA and told me that I would have to make another phone call to get that sent over to them.
The estimation adjuster I spoke with was upset after he received different information from the first gal that spoke with me before transferring me to him. He seemed to take his frustration out on me but finally told me that they would call the repair shop and get it resolved. The vehicle has been in the shop since Monday, today is Thursday, and we still do not have a vehicle that was provided in place of ours. Still no phone call from anyone at USAA. My husband and son are both military, and this makes me very thankful that we chose to go with a different insurance company that has always done ALL of the follow up on claims for us. I am very disappointed in USAA's service and based upon this experience would never recommend them to anyone.
I'd give zero star if I could! USAA is a HORRIBLE payor in regards to PIP claims. They stop the payments for ongoing treatments despite of eligible benefit/coverage for PIP. SO unfortunate for all USAA insured that the company they are paying for doesn't cover for their medical expenses. Most PIP attorneys I have talked to know about USAA's awful payment procedure. This company is the worst of all. Honest opinion!
Horrible representative. When breaking down an issue that occurred he tried to turn things in conversation. Constantly cut me off. Didn’t help at all. Very back handed organization. Avoid at ALL costs and if you have them get rid of them fast.
While in the military I got USAA Auto Insurance for coverage on my 2 vehicles. I never filed a claim or had any incidents. The next year I got a notification that my rates were going up $120. I called and asked why and was told that they factor in claims from the surrounding states and that determines the prices yearly. What a joke. I cancelled and went to Farmers State. Saved over $200. Stupid company.
When attempting a activate a youth card for my son that was attached to our account, we took a little too long entering a PIN number, and was forwarded to someone who was not only rude, but could only tell me that I needed to call back and ended our call by hanging up. No, "Have a good evening", or even, "Goodbye". Called their customer service number and the representative that answered was nice, but she had to get her supervisor to answer a question. The supervisor got on the line and proceeded to tell my son they didn't have any authenticating questions to ask him and proceeded to list things he needed to do to be recognized.
I got on the line and explained to her what happened and questioned why we needed to jump through hoops just to set his pin when the card was attached and our account. She proceeded to rudely tell me that I wasn't authorized by be on this call and she couldn't speak to me. I was so infuriated by this treatment from two of their representatives, one a supervisor that I'm seriously contemplating switching my account to Navy Federal Credit Union. They have local offices and a good reputation. USAA has gotten too big and are forgetting how to treat the service members who are the reason for their existence.
USAA is a joke. They disguise themselves as a business that serves our military, but that couldn’t be further from the truth. The rates are very overpriced. My husband’s deductible was $500 for windows essentially meaning that windows are out of pocket. His monthly rates were frustrating as well because they would constantly flucuate. If you’re someone who even loosely budgets your money, I’m here to warn you. One month it’ll be $50 more than the next. When I was quoted for car insurance they wanted DOUBLE what my current provider is charging me & they still called to see if I “missed” some savings on my quote. Which brings me to their calling system and their overall customer service. If you want a quote, let alone a claim, get ready to sit on the phone for an hour.
It is eerily similar to trying to set an appointment with Tricare. Companies should know that customers will pay more for better service and this is definitely not the case with USAA. You get god awful monthly rates, terrible deductibles, poor customer service and the cherry on top is that they will drop you when they no longer want to deal with you. My aunt was in a nasty car accident and when USAA heard they ran for the hills. I cannot bear to hear their commercials any longer where they act as if they are dependable and cheap AND that they are here to serve our military. They are here to prey on our veterans and they will be there to take your money until you really need them.
USAA isn't what it was... And that's really bad. As a Veteran and from a military family I've been insured by USAA since my 20s...I'm now 78. Throughout this time USAA has always been caring, quick to respond and pro-active in our relationship. At some point in the last ten years that began to change. No longer are there friendly chats with a USAA representative in San Antonio... That's gone. I've had very few reasons to file claims with USAA. However, in early February of this year (2019) I had a minor brush with the base of a street lamp. (I backed into it not seeing it beyond a blind spot in the right rear.)
The entire claims process with USAA was combative and definitely defensive on their side. Although not stated in my insurance policy, the company decided that the labor estimate by my dealership's collision department was higher than "standards." I asked who set the "standards." She said it was "common practice." Again, none of this was set out in my insurance policy. USAA used to be the company watching your back. They seem to have abandoned this in favor of watching out for its corporate interest and not of active duty and former military.
Little story here. Got hit by a deer. Tried applying for a claim. Found out I had been dropped due to driving history but when I sent them the info proving them they were wrong and had bad info they wouldn't bring back my policy and cover the damage, even though I had been with them for 5 to 6 years while I had my car and a veteran but guess that doesn't matter to them. So I highly recommend not using them for anything!
Huge savings with same coverage when I shopped around and saved 800 dollars PER YEAR FOR 3 YEARS NOW!! I am a former 12 year insurance agent for auto insurance. Trust me... Shop around! Sadly, as a veteran, I must say they are a ripoff.
USAA failed to correct my address in all areas when I changed my address in June 2016, resulting in being overcharged for insurance. When I just so happened to notice on their website yesterday, I contacted them. The address is correct on the mailing side, I canceled homeowner's insurance (because I sold that house), but did not realize they failed to update the "physical location" of where the vehicles were stored.
First I chatted online, then was told I had to call a specialist. I called and spoke to one person, had to be transfered to someone else, was not the right person, had to be transferred to someone else, then needed to speak to a senior specialist, then they had to speak to a manager. It took over 30 minutes. They refuse to refund the difference. I was supposed to have a manager call today at 1 pm, but that did not happen. I have had good experiences with USAA in the past and am very disappointed by this poor customer service. I am writing this review hoping that someone at USAA will notice and care enough to call me.
I have been a USAA customer for well over 20 years and have always had great experiences with them with both auto and home coverage. Within the recent years there have been many signs that the customer service that we had come to love is fading away. We have glass coverage for our vehicles, file a glass claim. We are told that Safelight is their preferred vendor and that if we go elsewhere they may not cover the costs and would not know until after we paid and submitted a bill. This is an effort to steer us towards their vendor.
We scheduled the appointment with Safelight. Half hour prior to the appointment the tech called and stated they are 1/2 hour away and we received a photo of the tech who was being dispatched. On arrival it was a different individual who openly admitted he typically is not in the field doing installs. After their work was completed we noticed a dent on our hood as well as broken fasteners on the window valance between the hood and windshield and finally window trim/seals not installed properly. We immediately reach out to USAA who transfers us to customer service at Safelight; the USAA rep did not stay on the line. We agreed with Safelight to take the vehicle to one of their service centers to take photos.
Safelight contacts us some time later and states the will cover ** amount for the damages to the vehicle. When asked what items that would cover it was only for a portion as they stated. They were not aware of anything else and would have to review again. Called several more times to try and resolve this issue and have been given the run around. Called USAA again to try and get this resolved, they place me on hold for 15 minutes and asked that we take the vehicle back to Safelight; we declined. We requested an actual adjuster, one has been assigned and will be contacting us to look at the vehicle.
This is still in progress and not resolved. The reason for the one star is that as their consumer, I'm having to chase everything with little to no help from USAA who essentially tells you that you have to use their vendor. I expressed my distaste for USAA's lack of customer service with this issue and they apologized on Safelight's behalf but not on USAA's. Frustrating to say the least!!
My vehicle was sideswiped by one of USAA's insureds and all they wanted to do was TOTAL my vehicle. My estimate to repair is $1,764 and according to USAA the Fair Market Value of my car is $2,477. I would drive the car across country right now with no reservations. But they don't want to budge.
Spoke to an agent about getting an insurance quote. A ridiculous ordeal... in itself. Have dealt with other insurance companies and have NEVER had a issue. Gave the agent all our information. He sent an email with what our monthly payment would be. No other details about what the policy would cover, nothing about the details of coverage. Just send a check. He did give us an ID number and said we could go online to look at the quote. OK. So that requires you go online and then to tech support because it would not even take the number he gave us.
So tech support had to send us to another dept, he didn't know how to do it. That person said we needed to go online to "verify" who we are. Upload your driver's license, your SSI number, or passport picture. WHAT!!! So who was this person?? I'm going to send you all my info right... Wrong... What a rip. I'm not even sure I want your policy and you want all my personal information. DO NOT USE USAA.
I am beyond frustrated and irritated at this point. In August, my vehicle was involved in a one-car accident. Thankfully, no one was physically injured, but the emotional pain has been overwhelming. This company paid for me to have access to a rental car for a week while the adjuster assessed the damage to my car. It was at this point that the nightmare began.
Much to my dismay, someone at the company considered the car to be a total loss. There was no damage to the frame, motor or drive train, yet it was considered to be a total loss? I’m sure they have certain “standards “ to adhere to regarding such decisions, but every situation is different and not all damage is the same regarding the “roadworthiness” of a particular vehicle? Note that this vehicle had only been driven 66,000 miles, was new when purchased, never had any cosmetic or mechanical problems whatsoever, was meticulously maintained and is no longer in production. Knowing that I would never be able to replace this car with anything of comparable quality for your monetary assessment, I requested to have the car repaired.
The body shop assessed the damage and said there would be no problems associated with repairing it. The damage was largely cosmetic. They have been wonderfully patient and professional. The cost to repair it is much less than the total loss settlement that USAA quoted and the car looks brand new. I received little to no guidance from USAA as to the proper procedure to move forward with settling this claim. I finally figured it all out on my own, with the help of the Department of Motor Vehicles, and I jumped through all the hoops to get my car back, including getting the salvage title and arranging the inspection. The requested paperwork was finally sent in by FedEx on January 3rd.
The car has been repaired and is sitting uselessly at the body shop waiting to be reclaimed by me while I continue to pay for a rental car that I shouldn’t even need at this point! I have also continued to pay the insurance premiums for this car for the past four months even though it was not used at all during this time. All I asked was that they settle this claim so that the body shop can be paid and my life can get back to normal!
While I’m sure they have many other customers and claims to address, their lack of attention concerning this particular claim has caused me many sleepless nights and great emotional and physical pain. Until this is settled, I remain in limbo, unable to put this to rest. I have had to extend contracts on rental cars over and over and over again...since September 2018! I’m having to pay a lot of money for a vehicle that I rarely use but have to have available for emergencies due to my medical issues.
Three weeks after sending in the requested paperwork with no response from USAA, we called to find out the status of our claim. It was then that we were told that we had sent in the wrong paperwork! We then had to jump through more hoops, fill out new forms and Fedex it to them again. It has now been a week without any response from USAA.
So, to sum it up, I have been without my car since August 2018 and it is now February 2019! The body shop fixed the car within a week. It looks and drives like new. USAA has yet to settle the claim so that I can pay the business and get my car back! As stated by others, I would give USAA no stars if this were an option! In the past, we have always felt that USAA was an upstanding company, very fair and efficient. This experience has clouded those feelings.
Fraudulent charges were made on my credit card after I got my wallet stolen in October. I immediately called USAA the following day to cancel the card and get the charges taken off. Two months later, I received a call from a USAA claims representative and they asked me questions in an interrogative tone and ended up piecing her own story together stating I was responsible for the charges because “a pin” was used. At the end of the day, my role as the consumer isn’t to know how the individual stole my information or why they used it on two separate ATMs on separate sides of town. It is, however, to report the case as fraud and file a police report, both of which were done and the documentation was sent to USAA.
I’ve called them multiple times since the interrogation call in January, and I was told “new notes” were added to my account to protect me and help me get the matter settled, but upon calling today, I found out that NONE OF MY CALLS WERE DOCUMENTED after the initial call on January 2nd. That put the worst taste in my mouth. My parents have been with USAA for 40 years and my father is a Vietnam veteran, so the fact that they treat their loyal members (with excellent standing) this horribly, is very upsetting. I immediately cancelled my credit card and will never do business with them again.
My nephew was parked in front of a friends house when a USAA member did not take time to defrost his windshield. He was basically driving blind, he plowed into his Jeep on the opposite side of the road, which totaled the Jeep & that’s only the beginning of the problems! The insurance company said they were taking the Jeep to their lot (that’s an hour & a half away).
They told him to take his tag off of it & they would pick it up. They would notify him before they came. They didn’t notify him, & would not allow him to get his personal belongings out. The Jeep was obviously not stock, (it had a custom made front bumper, custom made body armor, expensive control arms) which anyone could see by looking at it, Some parts were brand new. He told them he wanted to take the added accessories off. At first, the response was “that is fine, after our mechanic looks at it you can get the stuff you want.” He traveled to their lot to get his stereo system out of it. (Sub, amp & radio) he was told during this visit that he could not take anything off of the Jeep without receipts even though they previously said it was no big deal.
He had a $200 tool set in the back and other miscellaneous tools. They were gone. Vanished. And of course no one knew where they went. They tried to claim they wasn’t in there when they picked it up (LIE). He rushes around to the places he bought the accessories for the Jeep trying to get copies of the receipts they requested. Which luckily the companies were more than happy to do. They call and tell him that if he doesn’t return the radio (which wasn’t stock) that they would not be giving him any money. So now he has to drive another hour and half to return the radio. All in all this is an awful experience! If there was a way to give “no stars” I would!
We've been with USAA for 15 years. My husband is a Marine. Back in the good old days it was superior customer service with outstanding products. We have a pers. loan, car loan, car ins, life ins. and credit card with them. We are for now stuck with them until we pay things off. But our insurance we have taken elsewhere. Due the reason that for at least last 5 years now every time we try to make changes on something we get a either a very rude, snotty CSR or fake and let you hear what you wanna hear CSR and things never got done.
We've literally had 3 times our checking account over drafted bc something wasn't canceled when we requested 20 business days before due date. We've had CSR lie to us about giving us their names. One even told us when we asked for the ID CSR number that legally she isn't' allowed to give that out. Not sure where things went wrong and why they stopped being a A+ CO. but we've had enough. Their rates are slowly creeping up as well so it seems to me they are just not giving a hood about the pp that made them.
I have had USAA auto insurance since 1991. I have had 3 auto claims in that time. Once some hit the side of my car while illegally passing, once an uninsured driver hit my parked car in a bank parking lot and lastly for hail damage. All three times the claim process was simple and smooth. I was concerned when they paid out the uninsured driver claim for repair before receiving any payment from him as I didn’t want my rates to go up but there was no deductible for me to pay and the rates stayed the same. I have also used the windshield repair claim twice without a problem or deductible.
I have had 6 teenagers on my policy and they have all been accident free (thankfully!) and while teenager rates are painful, they have always been competitive with other companies. Once they head to college and are 19 (due to Nebraska age of majority and my umbrella policy) they go to their own policy as it is cheaper for them when only insuring one vehicle parked at college instead of being covered on the 5-6 vehicles parked at the house. On another note I have homeowners with them as well, and they paid for repair of storm damage that was almost 20K without problem, allowed us to do some of the work ourselves which basically paid for the deductible. The check was written to the mortgage company who just had to do a brief inspection before releasing the funds to the contractor who did the majority of repairs.
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