The USAA

Overview

The people who use USAA automobile insurance tend to love the company. Unfortunately, the services provided by USAA are not available to everyone. USAA only offers automobile insurance to its members. Members must be either in the US military, veterans of the US military, or immediate family members of someone in the military. If you do not fit into any of these categories, you will need to find your automobile insurance policy elsewhere.

In addition to providing low rates and discounts that are designed for military families, the company has a reputation for being one of the top-rated in customer service. People tend to give USAA rave reviews and report high customer satisfaction with the claims handling, offerings, and rates. USAA does not have any branch offices, service is handled over the telephone.

The Specs

Like many car insurance companies, the price of the policy will vary by the location the vehicle is garaged and used, the model of the car itself, and a number of other variables. Policies with USAA are most suited for people who are in the military, people who are not in the military or are not immediate family of people in the military will not qualify for a policy through this company.

There are a number of discounts that are available, some of which are military specific. A few of these discounts are safe driver, defensive driving course, good student, new vehicle, multivehicle, vehicle storage, family, loyalty, multi-policy, military installation, and more.

USAA serves all 50 American states and also provides insurance assistance elsewhere. The company has been in business since 1922 and has an A.M. Best Rating of A+ +. It also has an S&P Rating of AA+ and a Moody's Rating of Aaa.

Notable features of USAA insurance include excellent customer service, consistently affordable rates, their guaranteed lifetime renewal, and ridesharing coverage in some states.

Auto Insurance Coverages

USAA offers a wide variety of auto insurance coverages to veterans, active military personnel, and the immediate families of both. It provides a wide range of coverage amounts, ranging from the minimum limits in each state to some of the higher amounts available in standard automobile insurance companies.

In addition to a wide array of coverage amounts, USAA is known for handling claims both fairly and quickly. Applications can be made 24 hours a day, seven days a week, so if an accident occurs you can get started straight away.

Auto Insurance Discounts

USAA offers numerous discounts that specifically cater to people in the military. These can include discounts for people who put their vehicle into long-term storage while they are deployed. In addition, the company guarantees that your policy is lifetime renewable as long as you remain qualified for USAA, pay your premiums, and maintain a drivers’ license.

In total USAA offers 12 types of automobile insurance discounts to help people save on their premiums. As with most automobile insurance companies, bundling your auto insurance policy with other types of insurance, like home insurance and life insurance, can help you save a lot of money. Safety driver courses, good grades, and a number of discounts that are available and cater to members of the military are available. The company also has a loyalty discount, allowing members to save as much as 10%.