USAA Insurance

[KOPBET]

I switched to USAA from Liberty Mutual at the beginning of the year. I had been with LM for decades, but could not resist the substantial savings offered by USAA on home and auto. I also got a separate policy on valuable items.

 

[hfa68]

Little late to the party. I've had USAA back 80's when I was in the Army. I now have been back with them for the past 7 years with 1 accident (Daughter played tag with an older truck and lost). Loved the customer service and quick response. My father, sister, and me all USAA for home and auto insurance.

 

[cichlid-dave]

I switched from usaa to liberty mutual last year on auto for the savings. I had insurance with them of one kind or another for 24 years. I never licked the 6mo policy they had and liberty mutual has a 1yr policy. Funny thing is that I sell insurance and find we beat liberty mutual a majority of the time.

 

[Werewolf]

I am considering changing my homeowners and auto insurance from State Farm to USAA. Any experiences, claims, etc. that may influence my choice?

USAA is exensive but quality insurance. I had both auto and home thru them for about 3 years. I switched to AAA and cut my annual home premium in half and got better coverage. Cut auto by a 1/3 and got same coverage.

USAA is subject to the same process as every insurance company I've dealt with since I got old enough to buy insurance - price creep. Buy a policy and the price just seems to go up every year. I've gotten to the point that about every 3 or 4 years I'm switching out of one company and into another.

 

[John6185]

USAA wants $5,000 deductible on a roof that has been ruined by hail. AAA is more reasonable on their homeowners insurance and the deductible is $2,000. There is $1,000 increase if I switch to USAA for the policy alone-then comes the deductible. Of course I haven't used AAA yet for a claim so that remains to be seen. However USAA has a reputation on paying for damage that is unrivaled. That alone is why I'm giving some thought to going to USAA.

 

[DeeJay]

Do other companies have the same thing as the USAA Subscriber Savings Account? For those who do not know, a portion of the USAA profits is shared with customers in an account. Once a persons account reaches a certain level, the disburse some of the money back to the person in the form of a "rebate" check. Makes a significant difference on what your actual annual premium amounts to.

 

[inactive]

Mutual and Reciprocal Exchanges can all pay dividend refunds back to policyholders, who own the company through ownership of their policies

 

[tharper]

Unfortunately usaa has never been competitive for me. Their service is great but I got better coverage for a decent bit less through farmers. I use them for a bunch of services, insurance just isn't one of them.

 

[John6185]

I have to add this, USAA sent me a check for $800 about 8 months after I switched to AAA. That has made me rethink their pice on insurance, $800 is a big chunk off of the top of premium. I'll probably go back to them.

 

[FullAuto]

I have to add this, USAA sent me a check for $800 about 8 months after I switched to AAA. That has made me rethink their pice on insurance, $800 is a big chunk off of the top of premium. I'll probably go back to them.

That wasn't savings. That was a refund from the premium you had paid prior to switching.