USAA Insurance

[monkey44]

I know we fall into a slightly different category with no towed vehicle. So, us (TC'ers) have standard insurance (we just list the TC as property - It's considered cargo in Florida)

So, we're ready to renew our policy on both vehicles - SUV and PU ...

Many guys on here talk about USAA insurance as very good, and conpetitive pricing. We just got a a USAA quote of DOUBLE our current rate, and from several other companies ... USAA is twice the cost of Farmers, State Farm, etc.

We currently pay about $700 for six months, both vehicles. No accidents, no tickets, no other drivers but me and wife. USAA quotes $1380 for six months... We put about 8-12K per year on truck camping, and about 5K on SUV around town when we're home. So we average less than 20K miles total, around town and camping trips combined as we are retired.

What am I missing??? Why is USAA (supposedly a solid military "benefit") twice the cost.

[NamMedevac_70]

I am a very happy member of USAA auto insurance since 1970 and with present 3 family Dodge Ram Trucks. Before that many automobiles insured with them and never any rate increases for me. I do have an excellent 40 plus year driving history throughout the USA with vehicles registered in Texas and Nevada and including towing a TT throughout western USA from TX to PNW. I never had need of their provided with insurance road side service as I am also happy user of AAA.

Maybe TC have a higher recent claims rate than towed trailers. Just a guess.

Mechanics Bank of Cal and NV did beat them on financing rates for a new truck tho. Until now all my auto and truck loans were with USAA.


They are very successful and highly regarded company that I also do banking and finance with. Retired Army CWO pilot, civilian pilot, accountant and pilot to two Texas Governors with also extensive overseas civilian pilot service.

[devildog1971]

I worked in the legal field a long time and with a lot of attorneys one just told me that they will all put the screws to you usaa did it just a little more politely and politely

[JoeChiOhki]

Unless they re-added it, USAA dropped support for RVs and its a resell to another vendor.

[Kayteg1]

It is worth shopping around.
I had AAA in California, but when I moved to Las Vegas, local AAA agency quadrupled my payments.
So I moved to Geico.
Now from time to time I run comparison and most of other offer who "saved $500 over Geico on average" give me quote twice as high as my current payments.
Beware about those internet quotes. Each time I run some, my email is getting 30 junk mails daily in main box and probably a 100 in junk mail. Not the insurance quotes, but the "get hard" and similar.
That goes for about 2 weeks before quiets.

[Bedlam]

USAA would not insure my Ram 5500 but they did get me in touch with Progressive with a competitive rate on a commercial policy written for personal use (due to GVWR). I am with State Farm on the rest of things I have insured and would not get an additional discount if I moved to USAA or Progressive. We have accident and violation free driving records and have been with State Farm for about 30 years even though I shop other rates. It wasn't until I bought the 5500 that they could not compete on commercial insurance prices.

[emcvay]

USAA for us up in WA has been much cheaper than all the rest.

[devildog1971]

You get what you pay for sometimes. We had a fire and our so called farm insurance put the screws to us.

[Larry-D]

Had Allstate, shopped USAA and at the time they were cheaper overall (vehicle, home and TT - TT was with Progressive through USAA). After a few years they had gone up to where Allstate was cheaper, went back to Allstate. Next year I'll shop USAA again.

[otrfun]

I recently visited a number of collision centers for a repair estimate on my truck (I'm insured with USAA). Although some of the USAA "preferred" collision centers weren't particularly fond of the USAA "red-tape", I found it interesting they all thought USAA was more customer oriented than their competitors. Through the years I've processed claims with a number of big-name insurance companies (GEICO, Progressive, Allstate, etc.), including USAA. Can't say I had a particularly bad experience with any of them. However, IMO USAA does tend to rise above the competition (in banking and insurance) in terms of their customer service.

[D_E_Bishop]

I know nothing about their rating struction but I know when I was re-ended in May I took the Wife's explored to a local shop, not a shade tree shop but a pretty well liked shop. So far the bill is over $10,000 for repairs pluss the rental SUV.

My wife's explorer is a Limited model and was two model years old.

The shop told me not to worry, that everything is covered and her EXP. will be just like new. our son in law takes all of his personal and fleet vehicles to this shop.

[3_tons]

MORSNOW wrote:
I'm a long time USAA member and have never had an issue with coverage, claims, or cost. It really depends on your driving record, claim history, number of vehicles covered and types of vehicles. And like stated earlier, getting a human within a few seconds who can actually help is worth $100's to me!

It also depends on which zip code you live in...

[MORSNOW]

I'm a long time USAA member and have never had an issue with coverage, claims, or cost. It really depends on your driving record, claim history, number of vehicles covered and types of vehicles. And like stated earlier, getting a human within a few seconds who can actually help is worth $100's to me!

[otrfun]

mountainkowboy wrote:
. . . It's not always about the money.........

Dollar and cents are much easier to quantify than customer service. It's human nature to complain about the low-hanging fruit first.

[Chainwright]

MountainKK. is Absolutely right. I guess you can approach it from different angles, but like he said IT'S NOT ABOUT THE MONEY.
At this day in age computers have come so far and are soo fast. Every website I need is stored in my favs and it takes seconds to see my stocks/bonds, banking and insurance. Everything I want is at the tip of my fingers BUT still I go to the banks, even if I don't have to. It doesn't have to be ALL on 1 site. But if for some it's a Must-have, then so be it. I've shopped around enough to know that USAA Definitely would not satisfy my banking and investment needs, not for a longshot. So different strokes for different folks, it's a service that wouldn't benefit me. I'd still find myself using other websites. I have GEICO Military and they've always treated me like a king, Absolutely no CS complaints there. So to each there own. Many of us have different priorities.