Tell me about USAA insurance

LetsRV wrote:
As stated customer service is top-notch.

Went with another company, got all the coverages I needed (auto, home, rental, rv, umbrella) quite a bit cheaper and so far their customer service has also been outstanding.

Whatever *you* (or anyone) feel/believe is "The Best" = GREAT !..:C

For my personal experiences of over 59 years of auto insurance companies - I've never had an insurance company with what I would consider customer service *less than* top-notch!
(Including customer service for an at-fault accident by the DW many years ago).

However, an increase in premiums (for me) - means time to "shop around" and compare - apples to apples, of course!

When I moved my "domicile" to South Dakota, my vehicles & DL were then in SD.
I was no longer eligible for the vehicle insurance/s I had previously in my home state. (Company didn't do business in SD).

No big deal - Blue Skies & Progressive did great with coverage and *very* competitive prices!
(Due to low population - Insurance is very reasonable in SD).

Fast forward to....return to my previous "domicile" state.

I told Blue Skies I had left SD, and needed to be re-insured in my previous home state.

Yikes! - Sticker shock!..:( - Time to "shop around"!..:@

Anyway, USAA was among the companies I requested quotes from, - always apples to apples (no decrease in coverage/s).

Progressive & USAA were over $1K *more* (annually) than Wawanesa, which was the company I had before relocating to SD.

Easy decision!
Wawanesa again has my vehicles, RV and home owners insurance.
NO savings to "bundle" home owners.
NO 6 month policies - You must pay annually (3 payments is OK).
(Wawanesa is only avail in the West - and parts of Canada?)

BTW - I was in AAA paying registration fees. The gal behind the counter asked if I had considered AAA for vehicle insurance..:@

Told her I did (along with the others) - but AAA couldn't beat or match the price for insurance I then had.

She asked what company I was insured with??

When I answered Wawanesa, she (the AAA employee) surprised me by saying, - "We tried to get insurance with them, but my husband uses his car for work, and they wouldn't insure us".

Made my day!..:W

USAA should get LOTS of credit though - kinda like GS for sending junk mail - once you're on their mailing list/s it's - "forever"..:R



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We've been with USAA for a few years now and have no complaints at all. We have everything with them. Their customer service is the best. My only regret is that we didn't switch to them sooner.

AJBert, USAA wasn't the only company to pull HO insurance out of FL. State Insurance Department would not allow companies to rate and price according to the potential for loss (remember all those storms). So a number of companies left.

Been a USAA member since 1964, but currently have no insurance with them for other reasons.

USAA sold its soul several years ago. It's nothing like the company it started out as. I'm a long time customer, but in my mind, they are just another insurance company today. For a new customer that isn't military, you can do just as well if not better elsewhere.

USAA over 50 years - MHs, TT, home, cabin, cars/vintage cars umbrella policy. Both sons have had it for years - one son had house fire, we had storm damage, wife had couple accidents, one son had a car totaled every time we were satisfied with their responses. Never had them raise rates because we had a claim.

here is a question. do you actually know what USAA stands for? it is United States Automobile Association. i always thought that was interesting.

usaa doesn't insure, like aarp they contract the service and get a cut of the cost. they are good but not the best price out there.

and yes, i belong to usaa and i am a veteran but my insurance is elsewhere.

Member of USAA since 1991... well, associate member because I got my membership from my parents who served.

I'd say they are on par with other insurance companies. Not any better; not any worse. I use them for house stuff. Auto, GEICO is a fraction of what USAA was charging, so I moved to them for my vehicles and travel trailer.

AJBert wrote:
I almost went with them until I found out how great their "customer service" was around 2004/2005. USAA cancelled home owners insurance for everyone in FL and along the Gulf Coast after the hurricanes did all the damage. Didn't matter if one's home was damaged or not, come renewal time...well, there was no renewal.

My daughter and SIL have been with them for a number of years and love them. I almost thought about calling them when we moved but remembered FL and the GC. I suppose if you live in a place that has almost zero chance of damage due to Mother Nature then they might be a good choice. I just know they left thousands of good folks high and dry with no notice.

Were the cancellations after they paid the claims? If they denied covered claims, then bad on them. If cancellations were after they paid claims, then they met their contractual obligations. I would expect that persons who build in flood prone areas or along the areas subject to wind (hurricane) damage, would be a greater financial risk to any insurance company. Insurance companies are businesses, like any other, and have to manage costs.

I remember the vast sums of money that were paid out during that time.

Shot-N-Az wrote:
USAA sold its soul several years ago. It's nothing like the company it started out as. I'm a long time customer, but in my mind, they are just another insurance company today. For a new customer that isn't military, you can do just as well if not better elsewhere.

It's the way of things. I have a love/hate relationship with one of my credit unions (40+ years), behaving more and more like a bank.

No way in hail will we ever go back to them. Had everything bundled with them ~40 years w/o a claim. DW gets rear ended by uninsured driver we have to sue them for medical expenses. Following year I get t-boned by uninsured driver and have to sue them again for medical expenses. Should've learned by then... Couple years later they cancel our homeowner policy w/o warning or opportunity to "correct" the problems of tool shed having unpainted roof & walls (duh, it's galvenized) and no railing on stairs to attic (got to be kidding, the stairwell is 16-1/8" wide). Took daughter's advice, checked out AAA, same kind of all-policy bundling and we pay less for all of it than we paid to USAA for just the auto part.