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USAA Group - Auto

USAA Group - Auto

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USAA Auto Insurance: Get it if you can get it

by mrisch mrisch is a Lead on Epinions in Personal Finance, Epinions Most Popular Authors - Top 500, Sep 11 '00
Pros: Inexpensive, quality service
Cons: hard to get if your record isn't great
Dollar for dollar, USAA auto insurer is the best insurer I have dealt with.

Coverage
You can get all the basic coverage. I have Liability, Uninsured Motorist, Collision ($250 deductible), and Comprehensive ($0 deductible). That’s...
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USAA - The best insurance we've ever had!

by LisaDo Epinions Most Popular Authors - Top 200, Jan 10 '05
Pros: Low rates, fast settlements, website.
Cons: Must be military, dependants, former spouses or adult children of USAA members to qualify.
Because of my husband's previous driving record, we'll call him "Lead Foot" in this review, we had always had a hard time getting decent Auto insurance. We'd had several other companies before, including ...
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Product Rating:Product Rating: 5.0
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USAA – They have covered my cars for 24 years. Great company!

by CyndiA Epinions Most Popular Authors - Top 50, Oct 05 '02
Pros: USAA is rock solid. I've used the service since 1978.
Cons: You have to wait to get motorcycle insurance.
USAA is a full-service financial company for military members and families. It was for military officers ONLY in the beginning and included family members of officers. Now, it is all military plus family members.

My dad was an officer in...
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Product Rating:Product Rating: 4.0
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USAA: More Like Family

by KrispyKreme , Jul 20 '00
Pros: Large Company with Many Assets and Services
Cons: Their success may sometimes let you down
I have personally been a member/owner of USAA since 1994. And to be honest, I have been extremely please with the service and its reliability over the years.

My Expectations
To fully understand why I rate USAA like I do you must...
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Product Rating:Product Rating: 3.0
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Very disappointed...

by knotheadusc Epinions Most Popular Authors - Top 500, Sep 08 '03
Pros: Usually inexpensive. Most agents are friendly if you don't have a claim.
Cons: What on earth has happened to their customer service?
First of all, let me say that I've been a USAA policyholder since 1991 and my parents have been policyholders for years. My husband has been a policyholder since 1984. Up until recently, I had a lot of respect for USAA auto insurance. Why? Because I ...
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Product Rating:Product Rating: 5.0
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One military benefit that lasts

by Jennd417 Epinions Most Popular Authors - Top 1000, Aug 24 '00
Pros: great insurance coverage, great customer service
Cons: none
I am a military wife and all I can say is it is a tough job. We are promised benefits and they are usually free for a while or they are taken away. I can say that with USAA they promise us low insurance rates and they keep there promise.

USAA...
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Product Rating:Product Rating: 5.0
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The Best Insurance Available

by Mom2TyZick, Epinions Most Popular Authors - Top 500, Nov 02 '00
Pros: Pay claims fast and helpful personnel
Cons: Must be military or dependant of military.
One of the biggest headaches you can ever have is dealing with an insurance company. Having said this, dealing with USAA is like going through labor with a nice epidural. It's pretty painless and the end result is satisfying. My experience with this...
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Product Rating:Product Rating: 1.0
 

It's just a big business anymore!

by sweetsue_98 Epinions Most Popular Authors - Top 100, Nov 17 '99
Pros: good auto rates
Cons: lost that personal touch, too many middle managers,
Having been a member of USAA for over 35 years, I have seen changes in the company that are not for the best. They have gotten into so many areas, that I question their ability to handle the most important one, like our insurance. They were twice as high...
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Product Rating:Product Rating: 4.0
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Good service until you file a claim

by paman , Mar 02 '06
Pros: Great coverage, some of the best rates in the world
Cons: When you need a check, be prepared to fight for every dollar you get
I've been a USAA member for my auto and homeowner's insurance for 21 years. The company has changed quite a bit, with some of the changes forced on them, and some of the changes they brought on themselves. BUYING INSURANCE: Very good to ...
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Product Rating:Product Rating: 2.0
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USAA - Just try to file a claim!

by tony_miller , Oct 01 '00
Pros: Easy to change locations, even insure overseas.
Cons: Difficult getting claim paid, then they raise your rate.
I used USAA for auto insurance for five years, or I should say they used me. They were the first insurance company I had my own policy with. While I lived at home, I was always on my parents' State Farm policy. When I acquired a car...
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Product Rating:Product Rating: 5.0
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From a former USAA employee

by illini , Jul 31 '00
Pros: Member satisfaction= priority. Good rates.
Cons: Restricted membership.
I worked for USAA for 5 years as a claims representative/adjuster and quit last year to stay home with my children. We still carry USAA insurance and probably always will. They are an exceptional company.

As for the rates, I've always felt...
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Product Rating:Product Rating: 5.0
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Final Verdict is in: Thumbs Up!

by ziggy29 , Oct 02 '08
Pros: Quick response, friendly people, fair treatment

Cons: lack of local agent -- weak negative but I have to type something
We had been with USAA for four years for all our insurance needs -- home, life, auto, umbrella -- and we appreciated the service and the competitive rates we received.But the ultimate test of an auto insurer is how (and whether) they handle ...
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Lots of marketing - not much action.

by handbags4fun , Apr 17 '08
Pros: One stop shopping is the only pro...
Cons: Just try to submit a claim and see how their company really is.
USAA as a great insurance company? Not so much. Only if you NEVER have to submit a claim, as other respondents have mentioned. I thought they were alot more then it turns out they actually are... up until the point that I actually NEEDED what we had been ...
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Product Rating:Product Rating: 5.0
 

Wow...the military actually does have a good advantage??

by mamakittyg , Jan 10 '00
Pros: Cheaper rates, better coverage
Cons: Only available for the military
Being a military family doesn't come with many advantages. The unset schedule, the moving, and the pay are just some of the many disadvantages to this lifestyle. But I have to admit, this auto insurance is a great plus to those in the military. It is...
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Product Rating:Product Rating: 5.0
 

USAA- pretty cool for an insurance company

by mattjoe Epinions Most Popular Authors - Top 100, Jan 29 '00
Pros: They pay up.
Cons: It is car insurance! CAR INSURANCE IS AWFUL!! It is betting you will not crash, and your reward, should you not crash, is paying the company.
After at least 12 speeding tickets, one failure to stop at a stop sign, one running a red light, One passing on the right, failure to use turn signal, one illegal left turn, One expired inspection sticker, and one citation for failure to wear safety...
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Product Rating:Product Rating: 5.0
 

The Choice for this Military Family

by saprswife , Jan 31 '00
Pros: the best insurance rates, wonderful customer service
Cons: none
A few years back a friend of mine recommended that we switch our car insurance to USAA. At the time we were not able to do this since my husband was an enlisted soldier and not an officer. Since then they have changed their policy, and about six months...
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Product Rating:Product Rating: 5.0
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It's possible to love your insurance company

by Zski , Sep 14 '00
Pros: Inexpensive, great service, always available by phone
Cons: no agents (or is this a pro?), restricted eligibility
My family has been insured by USAA for almost 50 years. While I only recently became a USAA member, I have had auto insurance with them through my parents for 8 years, and have always been completely satisfied with the service I’ve received. I also...
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Product Rating:Product Rating: 5.0
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I'm not only a member, i work there!

by pochanike , Jan 17 '03
Pros: pride, service, rates
Cons: eligibility
My mother has worked at USAA for about five years. We had insurance with them because she worked there (in the banking dept.) and they were cheaper than anyone else. i was 16... let me explain my accidents to you and let you form your own opinions...
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USAA, what a way to save!

by james.dedik Epinions Most Popular Authors - Top 1000, Mar 20 '01
Pros: Super low rates, very friendly customer service
Cons: Must qualify to apply for coverage
Membership
First off, if you qualify for membership, but do not use USAA for automobile insurance, you are losing money, I can almost guarantee it! I recently switched back to USAA from Geico and I saved over $600 a year just on my auto...
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Product Rating:Product Rating: 4.0
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Affordable Car Insurance

by Boomerang , Sep 25 '00
Pros: Good service at excellent prices
Cons: Not everyone can use it.
In these days where services are a necessity of life and they are all expensive, USAA auto insurance is a bright spot. There is no insurance company out there that matches them on prices unless it's an unheard of one that has lousy service.
...
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Product Rating:Product Rating: 5.0
 

Highest service levels I've seen

by LAURALYNNE , Apr 02 '00
Pros: good rates, great service!
Cons: none
Since I've been driving, I've had several insurance companies and just as many levels of service. I got USAA when I discovered that I qualified due to my father's military status (bonus - I didn't have to be in the military to qualify!!)

...
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Product Rating:Product Rating: 5.0
 

A member for life

by Starunner , Jan 13 '00
Pros: Excellent coverage
Cons: none
USAA is an excellent insurance company. There isn't much more that I can add to bring a different light to this company that hasn't already been stated. Their coverage IS A+. Their customer service people ARE wonderful, caring and responsive to...
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Product Rating:Product Rating: 5.0
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CAR SEAT REBATES HERE

by JONAHRBEAR , Dec 01 '00
Pros: price
Cons: none
Did you know that you are eligible for up to 3 car seat rebates per USAA insured member? The rebates are for $25 each! I can not tell you how many people do not know about this service that USAA offers. Most of the people who didn't know about the...
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Product Rating:Product Rating: 5.0
 

What a Difference!!

by MCMamaJ , Apr 19 '00
Pros: great prices, very helpful employees
Cons: eligibility requirements
When my husband and I went out to purchase a newer and larger car than we had previously owned, we knew our insurance rates would go up. That is standard with any insurance company. What we didn't realize was how much they would be going up with...
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Product Rating:Product Rating: 5.0
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Hard to beat this...

by chance2run , Oct 14 '00
Pros: Cheaper rates, quick/quality service
Cons: Only for those who qualify
I know that no one enjoys receiving monthly bills for car insurance but as I learned a long time ago with USAA as my insurance company I wouldn't be able to find lower rates!

I've had USAA insurance since I first got my drivers license. I was...
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Product Rating:Product Rating: 5.0
 

This is an insurance company?

by alg91 , Nov 17 '99
Pros: True customer service, competitive rates, variety of services
Cons: no branch locations
USAA is simply the best insurance company out there. I have been with them for over 10 years now and they never cease to amaze me at what lengths they will go to in order to make sure their members are well treated. Although USAA's car insurance is top...
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Product Rating:Product Rating: 2.0
 

USAA Not as good as it used to be

by Bensisco , Jun 10 '00
Pros: Cheap rates
Cons: Incompetent uncaring employees, Too quick to drop members who have accidents
I've been a USAA member since 1988 (U.S. Army Field Artillery). The company had always seemed first rate. A little quick to drop members who have an accident or acquire a couple of traffic tickets, but it helps them to keep the rates low.

...
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USAA A Real Letdown

by Risa27 , Oct 04 '00
Pros: Low Rates
Cons: Poor customer service; unfair pay-out of claims
I was a member of USAA for about 5 years before I had to file a claim. About two months ago, my car was broken into and badly damaged. All of my personal property that was in the car was stolen, as well as my stereo and speakers. I immediately called...
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Product Rating:Product Rating: 5.0
 

I love my USAA!!!

by babycar , Apr 24 '00
Pros: excellent rates, excellent customer service
Cons: constant mailings to join other services
I first was referred to USAA by the car dealership in Germany when I bought my 1997 Neon. I was used to paying high insurance through the German companies. The premium was $126 dollars a month with full coverage. A co-worker bought the same exact car,...
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Product Rating:Product Rating: 4.0
 

Great rates....

by shearer2 , Jan 13 '00
Pros: great rates and great customer service
Cons: you have to call a 1-800 number to speak to them.
I have to say that USAA is one of the top automobile insurance companies(if you qualify). My husband has been with USAA for a few years now. I have to say we have gotten quotes from other insurance companies and they say they can't even touch our current...
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Product Rating:Product Rating: 5.0
 

Worth Enlisting For!

by ScienceTeacher , Mar 24 '00
Pros: cheap, quality, 24-hour customer service, advice
Cons: I haven't found any yet.
We have been members of USAA for approximately seven years now and never disappointed by their rates or service. My husband is a marine and this benefit is better than most of the perks provided by the government! USAA auto insurance beats every other...
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Product Rating:Product Rating: 5.0
 

USAA insurance

by Beauregard Epinions Most Popular Authors - Top 500, Jan 03 '00
Pros: Fair prices, profit sharing, sensitive/attentive agents
Cons: recent increase in auto coverage due to random recategorization of neighborhoods
I am fortunate enough to qualify for this insurance coverage, only available to members/veterans of United States military forces and their families. I say fortunate because USAA is more than a auto insurance company, they are a comforting aspect of my...
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Product Rating:Product Rating: 5.0
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ABSOLUTELY UNMATCHED

by Mariii2771 , Jan 19 '00
Pros: Great rates, unbeatable service, extremely polite people
Cons: None
I began using USAA eight years ago, when I married a military service-member. The rates are absolutely unmatchable with any other insurance company. In fact, when insurance companies call my house soliciting insurance, all I have to say is "I have...
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Product Rating:Product Rating: 5.0
 

Be a Member, not a "Customer"

by AccessDenied , Jun 12 '00
Pros: Service, service, service, and price
Cons: None
If you can qualify (almost any connection with the military will work), check out USAA for all types of insurance, as well as other services (buying services, banking, credit cards, IRAs, and so on). They're AT LEAST competitive in price with anyone...
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Product Rating:Product Rating: 5.0
 

#1 Insurance Company

by Hightower , Jan 18 '00
Pros: Very Inexpensive
Cons: For Military and Family Only
USAA is the best auto insurance company I have ever had. I was recommended this premium company through a friend of mine. I said I would check it out later. Since I got married in July '98 I had to reconsider my finances.

My old auto...
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Product Rating:Product Rating: 5.0
 

Wonderful!

by Pookie5395 , Jan 13 '00
Pros: Portability
Cons: Central Office is located in San Antonio
When we first moved to Hawaii, we had to get Hawaiian auto insurance, and it was expensive. Really expensive! We were not, at the time, able to use USAA, so we went with two other insurance companies that specialize in dealing with military...
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Product Rating:Product Rating: 5.0
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BEST IN THE WORLD

by burkelee , Oct 27 '00
Pros: Everything about the company is a PRO!!! They are there when you need them 24/7. Their computer system is never down. Answers to questions immediately.
Cons: I can't think of any cons what so ever.
Hello, My name is Ashley, and I have been a member of USAA Insurance since I was old enough to have insurance on my own. I believe that was around 1980. So for 20 years I've been with USAA and they have never steered me wrong. My parents have had USAA...
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Product Rating:Product Rating: 5.0
 

The Best, if you can get it

by thedonga , Sep 08 '99
Pros: Price, service, customer service
Cons: NONE
For those of you that do not know, USAA stands for United Services Automobile Association.

I purchased a new car last year and started looking for auto insurance. I went through hours on the phone with all the big guys, Progressive, State...
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Product Rating:Product Rating: 5.0
 

Great insurance if you can get it.....

by Firstfall , May 28 '00
Pros: Low rates, rebate checks
Cons: limited membership
If you are in the military, look into USAA. I recently did a rate comparison on-line and off-line and USAA was consistently lower. They have an auto club with an 800 number if you ever break down, rental and towing reimbursement (the towing is more for...
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Product Rating:Product Rating: 5.0
 

USAA Insurance: The Greatest Around!

by et2macswife , Jun 13 '00
Pros: good price, excellent customer service, offers just about everything you need, and I could keep going ! :)
Cons: they don't have a local office
In my opinion, USAA is at the top of their field when it comes to offering insurance to military families. In order to receive their insurance you must be in the military, but once you have retired or you decide to leave the armed forces you may retain...
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Product Rating:Product Rating: 5.0
 

Protect My Baby!

by foxspy , Apr 03 '00
Pros: Everything
Cons: Only service people can join
I own a 1990 Chevy 454SS, and it is my baby. I love this thing to death, and if anything happened to it, I don't know what I would do. Even with insurance, nothing can replace it, except another one, but that would not be the same.

My...
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Product Rating:Product Rating: 5.0
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USAA is A1

by caithnessfan Epinions Most Popular Authors - Top 1000, Feb 02 '01
Pros: Competitive rates, easy to contact, some profit sharing to members
Cons: No field offices for walk in service
I started coverage through USAA only a few months ago when
I bought a new car. I called several other national
companies since I was about to move to another state and
didn't want the problems and extra expense of insuring in
...
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Product Rating:Product Rating: 5.0
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USAA All the way...

by urbanpagan , Oct 11 '00
Pros: great rates, good flexible coverage
Cons: active duty or retired military only
When my husband enlisted in the Air Force, we of course had a lot of expenses. Getting rid of the old apartment, getting a new apartment. Switching all our utilities. Selling the old car, moving and then getting a new car. And of course, getting new...
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Product Rating:Product Rating: 5.0
 

A Great Military Benefit!

by TiggerOh , Jan 19 '00
Pros: Great rates!
Cons: They only have branches to their bank in Texas, so you must mail deposits if you dont live near there.
When I got off the telephone with the representative from USAA after discussing a rate quote, all I could say was "Wow!". I had to ask her if there was some sort of mistake when she told me they could insure our car for HALF the rate I was...
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Product Rating:Product Rating: 4.0
 

Great insurance if you qualify

by pboy Epinions Most Popular Authors - Top 1000, Dec 03 '99
Pros: great service at a low cost
Cons: started to expand their services rapidly
Since I usually end up paying a lot more then my friends do for just about everything, its nice to have the cheapest car insurance policy in the group. Even better, I like to talk up the insurance to my friends; tell them the great service and...
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Product Rating:Product Rating: 1.0
 

Abusive Service

by Bob46 , Mar 22 '00
Pros: Overpriced, even with rebates
Cons: Try to cheat people due compensation
I don't carry USAA insurance. My experience with USAA was due to an auto accident caused by one of their clients.

Their client travelled onto a freeway onramp in the wrong direction, hitting me head on (in a blind curve), with an approximate...
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Product Rating:Product Rating: 5.0
 

The Best in the Business

by Caroline99 , Apr 05 '00
Pros: everything-but-the-kitchen-sink service
Cons: there aren't any
I've had USAA insurance all throughout my life and cannot think of a single negative thing to say about it.

We've had USAA life insurance, car insurance, homeowners' insurance, renters' insurance, plus jewelry and computing riders, loans and...
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Product Rating:Product Rating: 5.0
 

ATTENTION MILITARY!!!!!!!!!

by keyberg , Dec 24 '99
Pros: The best of the best
Cons: I believe it is only for military
THIS IS THE GREATEST INSURANCE COMPANY I'VE EVER COME ACROSS!!!! I'm saving $300.00 a year on premiums. When I called for information, the woman I spoke with was very helpful, and very customer oriented. My previous insurer was Allstate, and although...
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Product Rating:Product Rating: 4.0
 

I actually worked for a competitor!

by spodgorski Epinions Most Popular Authors - Top 1000, Feb 14 '00
Pros: good customer service, reasonable claims service
Cons: adjuster knowledge of the policy was not 100% on one claim
I have insurance experience, having worked for several years as an adjuster at one of the most common insurance agencies. I also had insurance with that company until I got married. I switched my car to add to his policy and my rates immediately dropped...
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Product Rating:Product Rating: 5.0
 

USAA: More than just auto insurance

by cbrown2466 , Dec 25 '99
Pros: Great service and prices
Cons: Limited clientele
USAA is a major player in many categories of insurance, retirement living, moving advice, credit cards, investment advice, mutual funds, and even mail order products.
The association, until recently, was strictly an officer and their families...
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Product Rating:Product Rating: 5.0
 

The Best Yet

by bill_loggins , Nov 02 '99
Pros: Service, Prices
Cons: Limited Availability
This is probably the best insurance I have seen yet. I have a 1998 Kia Sportage and a 1995 Ford Escort. Me and my wife are both under 25 and she has two speeding tickets. For full coverage on both I pay only $110 a month with a $500 dollar...
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Product Rating:Product Rating: 5.0
 

No other insurance for me!

by amsonia , Apr 23 '00
Pros: excellent customer service
Cons: not everyone can join
Upon getting my first car ten years ago, I was informed by my father that USAA was the only insurance to consider. I thought that I should surely shop around for a good policy, but everyone I spoke to said the same thing: "If you are eligible for...
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Product Rating:Product Rating: 4.0
 

USAA is TOPS

by TaraScorpB , Jan 30 '00
Pros: Great cost, Wonderful Customer Service
Cons: Not a large quantity of offices
We got USAA Auto Insurance about 3 years ago and we could not be happier.

USAA is a Insurance for Military families and their dependants. They offer great rates for their insurance. They have a variety of services offered, some include but are...
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Product Rating:Product Rating: 5.0
 

The #1 Insurance company

by kymmielynn , Jan 16 '00
Pros: inexpensive rates
Cons: limited to military only
I don't know what else can be said about USAA Insurance. Their friendly sales people and low low rates are a wonderful part of their service. USAA Insurance members are limited to the military and their families, and this company couldn't be a better...
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Product Rating:Product Rating: 5.0
 

The greatest

by lulusbear , Jan 22 '00
Pros: everything
Cons: only does military
When My ex and I was married this was the greatest insurance of all it saved us over half of the insurance we already had. I could not believe my ears when I got the quote. I am all for a bargain and they had everything any other insurance had. The only...
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Product Rating:Product Rating: 5.0
 

It's been a pleasure!

by ljrunner , Sep 19 '99
Pros: Cheap, reliable, friendly, great customer service
Cons: Absolutely None
I have used 3 different insurance companies for auto insurance, but hands down usaa is the best service around.

They really take care of the military community is has set out to serve. Not only are they the most prompt service around, but...
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Product Rating:Product Rating: 5.0
 

USAA NO#1 Insurance

by peezo , Jan 31 '00
Pros: Its cheap insurance.
Cons: Insurance benefits aren't there right away when you need it.
I have had USAA insurance since I have been in the Military.. It offers great rates and is the cheapest insurance when it comes to home, auto,and life. The reason why I went with USAA is because it didn't ask for any type of deposit or down...
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Product Rating:Product Rating: 5.0
 

Why settle for less?

by Josh_Walters , Nov 18 '99
Pros: Cheap
Cons: they don't come do my laundry
If you are panning to get a new insurance company, A new bank, need a credit card, even a great internet service go with these guys. I currently have a bank account, Car insurance, A credit card, and i use their internet service, and everyone of...
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Product Rating:Product Rating: 5.0
 

The Best in the Business

by BoochS , Dec 19 '99
Pros: Price, Service, Refunds, Customer-Focused
Cons: None
USAA Insurance is the Best in the Business for all the obvious reasons that someone wants insurance in the first place. Whether it be Auto, Home, Life, or other, USAA delivers a quality service at a least cost price, with a performance record that is...
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Product Rating:Product Rating: 5.0
 

Uncommonly Good Insurance

by Isis493 , Jan 13 '00
Pros: affordable, exclusive, great CS
Cons: unclear about what policy includes/excludes
I am quite pleased with USAA's automobile insurance policy.

They have an extremely affordable Roadside Assistance program. In fact, I just used it last week when my car battery died. It was 11PM and the first thing they asked was whether...
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USAA - I love this company!

by varaonaid , Jun 08 '01
Pros: Great rates, coverage, customer service.
Cons: Eligibility restrictions.
Do you think anyone can actually "love" an insurance company? Though it sounds crazy, I do. USAA is the best. I've been a member for over 8 years and I use them for my Auto (and renter's) Insurance. I've never had any problems with this company....
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Product Rating:Product Rating: 4.0
 

USAA: Excellent service at an excellent price

by spcroach , Nov 09 '99
Pros: price, service, VALUE
Cons: limited customer base
I was able to maintain the same level of coverage that I had thru Nationwide, but at HALF the price! This saved us about $1000/year. If you are eligible for USAA coverage from active duty, prior service, national guard duty or a family member I HIGHLY...
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I had to...

by amidknight , Mar 24 '01
Pros: Great customer care
Cons: None to mine
Alright I never thought I would be writing an opinion about my insurance company, yet here I am writing again. What can I say?

Customer Service-every time I have called USAA I am asked to enter in my account number for verification, then when...
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Product Rating:Product Rating: 5.0
 

Best choice

by shirleyjmcph , Jan 22 '00
Pros: receive annual rebates, quick service, reasonable rates
Cons: , none
We began using USAA insurance five years ago and wouldn't even consider changing now. USAA has been wonderful. Even during the three years we were stationed with the Army in Germany, it was the best deal around.

We have always been impressed...
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Product Rating:Product Rating: 5.0
 

Simply the best insurance co.

by dalpaige , Jan 26 '00
Pros: Great rates, great service, other discounts
Cons: have to be in or be related to member of military
I am privileged enough to be the daughter of a former active-duty member of the military and therefore qualify to be a member of USAA. I have used them for all my insurance needs since 1993 and I can't praise them enough. I have both of my vehicles,...
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Product Rating:Product Rating: 5.0
 

Worth enlisting for?

by heiderj , Dec 16 '99
Pros: Great rates, good service
Cons: It's an insurance company
Insurance companies are not generally going to get a lot appreciation from me. Personally, I consider them to be socialist, discriminatory, and generally consumed with sucking as much money out of your pocket as possible. USAA, however, is better than...
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Product Rating:Product Rating: 5.0
 

More Than An Insurance Company -- A Friend Too

by Peaches178 , Jan 20 '00
Pros: All around wonderful insurance company
Cons: None that I can think of
USAA is unlike any other insurance company I have ever come across. Not only do they offer awesome premiums on insurance, but they are always glad to help.

From the new policy sales division to claims I have never encountered anything other...
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Product Rating:Product Rating: 5.0
 

An A+ for USAA

by onecal , Dec 20 '99
Pros: Low price, availability, prompt response
Cons: Limited eligibility
In 1994 I was fed up with my current Auto Insurance and wanted to comparison shop for a new one. I called around to get rates and was very shocked to hear the expense of some of the top insurers. Most insurance companies I called including Allstate,...
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Product Rating:Product Rating: 5.0
 

THE BEST THERE IS!

by thegirl , Jan 09 '00
Pros: GREAT SERVICE & LOW RATES
Cons: NONE
I have been a USAA member for 15 years and I would never think of having it any other way. Once a year we get a rebate check! What other insurance company gives you back a % of what you have paid in? As with any USAA product you get the highest...
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Product Rating:Product Rating: 5.0
 

THE BEST EVER!!

by Judyd3 , Nov 03 '99
Pros: great customer service and easy to work with
Cons: non
I have been using USAA almost my entire adult life (my father was military and my first husband was military). I have recently switched my house insurance to USAA. I LOVE them. If you can get the insurance company, you're set for life. They have...
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Product Rating:Product Rating: 5.0
 

Great insurance, great company

by $p00ky , Oct 11 '99
Pros: affordable prices with great service
Cons: none yet
USAA is not only great insurance, its a great company. They really know how to take care of their customers. I shopped around for a quite a while to find the best insurance for my ford mustang. Hands down USAA had the best deal around. A recent...
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Product Rating:Product Rating: 5.0
 

THE BEST!

by jukiebird , Apr 04 '00
Pros: Best service, best rates, best of everything!
Cons: Can't think of ONE!!!
This has to be the best company for ANY kind of insurance in the world!! Being military, we move constantly. We are constantly having to change insurance companies. We had no clue about this one, even though we lived in San Antonio, TX until not too...
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Product Rating:Product Rating: 2.0
 

My situation

by kwix , Apr 14 '00
Pros: They offer good rates to start out with.
Cons: No matter what happens, it is always your fault.
USAA was a great insurance company. I liked the rates that were available to me, and they seemed to be helpful. I am 18 and on my parents insurance. We had them for about 2 years before they started to be a hassle. I know that I am a "High...
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Product Rating:Product Rating: 5.0
 

Unbelievavble Rates

by johnoortman , Dec 17 '99
Pros: Best rates and dependable service
Cons: Must be a member or a dependant of someone employed by the Federal Government
If you or a family member is currently in the armed services, or were previously a member of a branch of the armed services, you should make full use of the benefits available to you. One of those benefits is an opportunity to become a member of USAA. I...
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Product Rating:Product Rating: 5.0
 

The best company to have behind your car

by Spiffy.the.Cat , Dec 12 '99
Pros: low prices, good coverage
Cons: none
USAA is the insurance company you need to have if you want to be absolutely sure that you're covered. When I got into my accident they took care of everything. The service representatives were very friendly and all payments were received within two weeks...
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USAA Insurance: Over 13 Years and Loving It!

by joylein , Jan 16 '05
Pros: Great customer service. Great rates.
Cons: Must be affiliated with armed services to qualify.
I have been a USAA member for over thirteen years now, and I have yet to be let down by them. I carry both an auto policy and a renter's policy with USAA. I would say their service is superb. I was involved in an accident back in May of 2004 in ...
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Product Rating:Product Rating: 5.0
 

Good Rates

by yeldarb , Jan 06 '00
Pros: Cheap insurance
Cons: Must qualify
I had the opportunity to use this insurance company for a year since my dad was in the Air Force. This company gave me the best quote for full coverage insurance than any other insurance company. I never had a problem with this company. The customer...
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Doesn't live up to reputation

by charliep77 , Jun 08 '05
Pros: You feel like you must be getting a good deal.
Cons: Overpriced with poor claims settlement.
Is USAA auto insurance the best? Think again. I’ve had USAA for 24 years because I believed they were the best - had the best rates – had the best customer satisfaction rate. I thought it was one of the unwritten benefits of being in the ...
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Product Rating:Product Rating: 3.0
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USAA - Great until you file a claim! Shop for better rates!

by eokerstrom , Sep 30 '06
Pros: Great service, useful website, service integration
Cons: Retaliatory rate hikes post claims. Supports the military IF member doesn't file a claim!
I'm a retired military officer and I've been a huge fan of USAA. I've been a member since 1982. I've loved their service but be sure to shop rates. Especially if you've been with them for awhile or they raise rates when you renew ANY of your policies. ...
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Product Rating:Product Rating: 5.0
 

Insurance without a headache

by scully3249 , Aug 26 '00
Pros: lower costs
Cons: none
Being a military family my husband and I are often on the lookout for companies that put our needs first. We had heard of USAA, an insurance company for military members and their families, but we never took the time to check them out.

After...
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Product Rating:Product Rating: 5.0
 

Amazing! Don't know what people do to get bad service.

by enigmaingr , Dec 01 '08
Pros: Professional, quick, courteous. 
Cons: The only gripe I can have is that USAA didn't hand deliver my settlement check.
I've had USAA insurance for over two years.  The Thursday before Thanksgiving, I was involved in an accident that totaled my car. Within two hours of the accident, USAA had a rental car waiting for me to pick up and had already moved my car to ...
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Times are changing

by mintcookie , Oct 15 '02
Pros: Great reputation
Cons: No longer have the cheap rates
I've had my auto insurance with USAA since I was 16 years old, and I've always thought they were great. However, I'm quickly learning that that was because I had a squeaky clean record. Since getting in my first accident (no one was hurt, my car was not...
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USAA not what I expected for a Military insurance

by christinaroxy , Feb 15 '06
Pros: none at all
Cons: LIES, LIES, LIES
Hi, my name is Christina, This company USAA has been screwing me around for almost six months. On October 4th one of their insured hit me while he was making a left turn, he did not see me coming do to a long line of backed up traffic. A driver in that ...
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Top-Notch Service

by ralwine , Jul 17 '00
Pros: Unparalleled service, quality representatives, great rates
Cons: Limited eligibility, service generally by telephone only
I have been a member of USAA since 1982. I've had just one claim, and it was handled with supreme perfection. They didn't even raise my rates.

Their membership is limited to those in or closely-related to someone military. That keeps rates...
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USAA Group - Auto: Worth Paying a Little More for the Service

by naphtalia Epinions Most Popular Authors - Top 100, Dec 20 '00
Pros: incredible customer service ethic shows in everything they do
Cons: higher priced than other insurances, but worth it
My father got USAA insurance when he was in the Air Force. My sister and I came in as dependants, but eventually changed to having our own accounts. USAA always cost a bit more than other insurance companies, but I'm willing to pay considerably more for...
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Product Rating:Product Rating: 5.0
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USAA is the best of the best!

by dbulmore , Jul 24 '02
Pros: Excellent rates, best service, fast response time. They are the best ever!
Cons: With USAA for more then 15 years and am treated like a king always.
I have been with USAA for more then 15 years. All my insurance policies are with USAA. In that time I have had a car stolen and vandalized. USAA had an adjuster out the next day. I had a rental car that day and a check that more then covered the...
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Product Rating:Product Rating: 5.0
 

Great Company

by strykerscout , Jan 18 '09
Pros: Helpful and Courteous
Cons: Rarely unhelpful
Facts:Been with USAA for almost 15 years.Filed 1x Renter's ClaimFiled 2x Auto ClaimsClean'ish Driving Record (last five years)Married with kidsTwo nice vehiclesExperience Renters:I ran into some ...
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Worst insurance company ever!

by sabo529 , Jul 17 '07
Pros: They faithfully bill you every month
Cons: Too many to list!!!
As a military family living overseas for many years we had no choice but to go with USAA for our auto and renters policies. We had one bad experience after another. To begin with, when we bought a classic car we called the 800 number to establish a ...
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Product Rating:Product Rating: 5.0
 

Can you LOVE an insurance Co?

by Greenius , Jun 01 '00
Pros: Oustanding Service, Low rates,
Cons: None
I have been a USAA member for 12 years. During this time, I have made three claims. In each and every instance, my check was waiting for me at the body shop. I gather from other people I have talked to that this is not ordinarily the case. The people...
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Fine until you file a claim; then take 4 mos of fighting to get paid

by jaxxon88 , Mar 30 '08
Pros: Sure they are cheap - their first course of action is to deny claims!
Cons: frustrating to work with; they count on you not fighting back
I have turned in 2 car claims to USAA after paying them for insurance for over 23 years. In one, neither vehicle was found to be at fault (the police couldn't say which driver was at fault), so even though it was the other driver that went through a ...
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Product Rating:Product Rating: 5.0
 

Tops in the insurance field

by tracer1 , Mar 19 '00
Pros: great customer service, inexpensive, rebate at end of year
Cons: have to qualify as a family member in the military
I have had USAA since I was old enough to drive. Since my dad was retired from the Air Force, I qualified to pick up USAA benefits. I can remember growing up as a kid in the 70s and USAA always took care of my dad's insurance needs without any...
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Product Rating:Product Rating: 5.0
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They should all be like this..

by britusa , Jul 20 '00
Pros: Customer Support, Customer Support, Customer Support!
Cons: only available to military
It's a shame that Insurance company is only available to Military members and their families. If every insurance company were like this one, people wouldn't constantly search for a "better deal", or swap insurance horror stories at the water...
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Product Rating:Product Rating: 4.0
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Since 1996 and beyond

by silvarott , Aug 12 '00
Pros: Very fast when Handling your claims
Cons: They have so many customers, and sometimes its hard to get in touch, but only sometimes
In 1996 I had just gotten out of high school, and didn't really know to much about the real world, and certainly not insurance. I had just purchased my first car, and without knowing any better I went with a second hand, fly-by night insurance company....
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Product Rating:Product Rating: 5.0
 

The best choice for the military

by Cbulls1989 , Jun 21 '00
Pros: Great customer service
Cons: none
We have been with USAA since 1993 and could not ask for more in an insurance company. Our rates steadily go down every 6 months with the exception of moving to California, and the reimbursement at the end of the year is wonderful.
When I...
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Product Rating:Product Rating: 5.0
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Service Oriented

by rdwolf258 , Oct 01 '04
Pros: Low premiums, fast and prompt service, and barely any hold time, always in your corner.
Cons: If you think of any let me know.
I'm actually an employee for USAA, that's how I became eligible. Keep in mind though in order to keep my eligibility I have to stay with the company for at least 5 years, otherwise they non-renew all my insurance. Of course this prevents people from ...
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Betrayed after a long time

by mdemma , Jun 19 '03
Pros: Fine if you don't need them. Customer service is not accurate.
Cons: Deceptive practice - not canceling just transferring you and increasing rate by 45%
After many years with USAA I received a notice from them that I was being transferred to some anothe ...
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Product Rating:Product Rating: 5.0
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Hard to believe...

by carolp , Sep 23 '01
Pros: Great service, very affordable
Cons: Only avail to military/ex-mil folks
I was rear-ended a couple of years ago, and USAA actually called me to see if I wanted to go to a doctor!! Everything about working with this company is a pleasure -- from getting quotes, signing up, cancelling, claims, customer service, etc. They are...
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Product Rating:Product Rating: 5.0
 

There is a Good Insurance Company

by gbodge , Jun 05 '00
Pros: Good price and fair rate structure
Cons: Sometimes slow customer service
Aside from the paycheck, another advantage to military service is USAA. This is by far the best auto insurance company that I have dealt with.

Being a former resident of Massachusetts, I can give a specific example of what USAA will do for...
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Product Rating:Product Rating: 5.0
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USAA Experience

by eyeworks , Oct 05 '00
Pros: Low Rates, Good Service
Cons: Lots of services=lots of mail
USAA has been fabulous. The low rates, the ease of service, the rebate checks you receive if USAA makes a profit, policyholders receive a percentage of that profit in the form of check in the mail. I had a break-in of my car - lost a substantial...
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Product Rating:Product Rating: 5.0
 

Sleep Soundly

by usdgrowler , Jan 31 '00
Pros: Excellent Customer Service
Cons: Not available to everyone
Let me tell you about my experience with USAA:

1) I called them and told them that I had been in an accident. I told them where it happened, what tow yard had the car, what body shop I wanted it taken to, and I gave them the phone number of...
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Product Rating:Product Rating: 5.0
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USAA: Where We Will Stay

by melscomp , Sep 10 '00
Pros: Everything!
Cons: none
"Honey, I got hit!", these are the words I heard my husband say to me a little over a year ago. I was scared to death. He was fine but our car was not. The car had been hit from behind and the bumper and one brake light were badly...
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Product Rating:Product Rating: 5.0
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I Love These Guys - Can You Believe It!!

by world1000 , Oct 09 '00
Pros: great rates, superb customer service
Cons: only open to military and other portions of the USG
Having returned from overseas living this summer (4 years in Moscow), I thought I was coming home to the land of customer service. Yes, I am back in the country that cares about what the customer wants. But what I actually found out was that the...
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Product Rating:Product Rating: 5.0
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The best in 20 years

by miriamcarswell , Dec 07 '00
Pros: Superb product, highly competitive prices
Cons: sometimes hard to find correct dept. for customer service
We have been insuring automobiles for over 25 years, and now have 3 vehicles in the family. USAA, after both trial and error and research, has turned out to be the most reasonably priced, the most responsive, and the most attentive for customer service....
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Great Insurance at a Good Price

by studyhard , Jan 23 '02
Pros: Inexpensive, great customer service
Cons: Have to be connected to military
With my mother being in the army, I was introduced to USAA at an early age. So when I got my first car, I got USAA insurance. Being that a 16 year old isn't the most "proficient" driver, I did have an accident early on in my driving career. USAA...
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Wow, you mean they actually care??

by sdgard , May 09 '01
Pros: NICE employees, quick responses, good rates
Cons: ???
I use USAA for my auto and home owner's insurance and I have to say it's one payment I don't mind making each month! Every time I have had to deal with them it has been a pleasant, if not actually enjoyable experience! From normal questions about my...
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Product Rating:Product Rating: 5.0
 

Every Company Should Be Run this Way

by pincemob , Oct 07 '99
Pros: stellar service, cheapest rates, low-risk customer base
Cons: None come to mind
As someone who rarely taps into his insurance policies (but always dreads the occasion), USAA is absolutely top notch. My family has "belonged" to USAA for several years, and have received consistently superior service from day 1. On the few...
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The real scoop! Usaa Employee / Member

by jplaya67 , Feb 02 '02
Pros: Great Pricing! Friendly service! Great products!
Cons: Not available to everyone.
Well when it comes to auto insurance I want the best. I’m sure you do to bye researching insurance like you are. Lets face it there are a lot of crazy drivers out there, and a good strong company is a must. I have worked for State Farm, and now USAA...
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Product Rating:Product Rating: 5.0
 

Outstanding Products

by DRMDM , Jun 01 '00
Pros: Customer Service, Product Lines.
Cons: Starting to let everyone in on it.
Reading through these reviews, I thought I should point out that the only negative responses are from individuals who believe themselves to have suffered an injustice at the hands of USAA's Auto Claims handling. I have been an insurance professional for...
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Product Rating:Product Rating: 5.0
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the Best All Around

by gbigmak , Nov 24 '00
Pros: best rates, great customer service
Cons: none
I have been an owner/member since 1985. The service you get from USAA is outstanding. I chose USAA for many reasons. But the most important reason is that they specialize in helping out military service members.
I have never had any...
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Product Rating:Product Rating: 5.0
 

Very good all insurance company

by cylina , Feb 26 '00
Pros: Limited to US Military & Family (Keeps my premiums down)
Cons: None
I've been with USAA for 1991 and have thoroughly enjoyed their professionalism and promptness of service. I have filed several claims with them and each time, my claim was processed quickly and to my satisfaction. The best part is the premiums are VERY...
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The absolute best for young military members

by THRDSTG , Jun 26 '00
Pros: Lowest Rates, Best Service
Cons: Only for military folks
I am a new Air Force Officer, and when I bought my first car, I needed to insure it. I am a cautious person, so I shopped around, to almost every major insurance company around. The average 6 mos policy for me was quoted at $800/ 6 months. I only have...
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Product Rating:Product Rating: 4.0
 

A good value, but buyer beware

by glenlyon , Apr 16 '00
Pros: Solid company, good value
Cons: Tricky dealings around the edges
Have been a member for over 20 years, and have always felt well protected and well served by the company. BUT, that said, they are not the firm they were even five years ago. The tie-in deals might be great, but do not, for example, believe that USAA...
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Product Rating:Product Rating: 5.0
 

Auto insurance co. dug me out of debt

by gladtohelp , Oct 08 '99
Pros: Great broad range of services at low rates
Cons: Must be related to an armed services person
Insurance is the darndest thing, but being covered by USAA through marriage has cured my hatred of the mandatory intangible. My now deceased Air Force pilot, Grandfather-in-Law has left us a valuable legacy: car insurance, credit, house insurance and...
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Product Rating:Product Rating: 5.0
 

The best insurance there is.

by TheVagabond , May 24 '00
Pros: low rates, excellent service
Cons: limited eligibility
I have had my auto insurance through USAA ever since I got my license some twelve years ago now. Not only do they have the best prices I've ever seen (and I have compared), but their service is outstanding. I have been in a few accidents in my life....
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Product Rating:Product Rating: 5.0
 

Efficient and Cost-Effective

by magcc , May 09 '00
Pros: Cheap and Efficient
Cons: Not open to all, but some would say that's a PRO.
I've been insured through USAA forever. Luckily (knock on wood), I've never had to file a claim. But I wouldn't go anywhere else.

The company is efficient in its mailings and materials. The price is great (every so often I get quotes from...
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Product Rating:Product Rating: 5.0
 

Simply The Best

by ginger136 , Jun 04 '00
Pros: great service, reasonable premiums
Cons: none
USAA is one of those companies that deserves more than 5 stars under the Epinions rating system. I have been driving for more than 25 years and have been a military member for more than 21, and USAA is the best I have seen anywhere around the world.
...
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Product Rating:Product Rating: 5.0
 

USAA - BEST IN THE BUSINESS!

by imaref , Dec 20 '99
Pros: Excellent customer service; very competitive prices
Cons: Large membership
EVERYONE NEEDS INSURANCE! So, how do you choose your insurance company? If you desire to be part of an insurance company that is owned by the members and has superb customer service, you should consider USAA. I've been a USAA member for nearly 25...
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Product Rating:Product Rating: 5.0
 

Insurance that wont break the bank

by flikchk , Jan 12 '00
Pros: Quick to respond, they offer great services
Cons: Only available to Service members and imediate family
I would have to say that USAA Auto Insurance is the best insurance company i have had to date. After trying Geico, AAA Insurance, and State Farm i have yet to have an increase in my insurance rates (other then due to moving to different states). Their...
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Product Rating:Product Rating: 5.0
 

Love them.

by GWrites , Oct 18 '99
Pros: Great customer service. Dividends!
Cons: More expensive.
I have been a member of USAA for several years, and love the company. I have had two accidents since I got my auto insurance, and always had my claims handled promptly.

I've also moved quite a few times in the past four years, and have dealt...
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What every insurance company should be

by azzureblue1 , Jul 08 '00
Pros: cost, service, communication, dividend checks on account
Cons: only available to military and family
Over ten years ago, when my husband was assigned his first active duty assignment after college, we were given information about USAA insurance. Being newly married, and having never dealt with insurance companies on our own before (always through our...
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Great Service, Inexpensive Rates

by cjazairi , Nov 06 '00
Pros: Great Rates, Great Service
Cons: Not a one.
I have been a USAA member since 1980, and I would never consider changing my auto insurance carrier to any other company. USAA is particularly useful for me because I move around quite a bit in the course of my job. The company is geared toward...
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Among the Best

by captobie , Mar 30 '01
Pros: Outstanding Price, Service
Cons: Need a military connection to get it.
I have been a USAA policy holder for 10 years now. My opinion of them is extremely high.

Customer service is superb. I've never had to wait more than 1-2 minutes to get through to a representative. Once I've contacted them, they have been...
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It's Good to Be the King!

by stevegray , Jun 21 '00
Pros: Customer service, rates
Cons: Military associated persons only
USAA! Not just for active duty military personnel. They have clauses that allow the children of veterans, former service members, etc. I have had nothing but happiness from USAA's automobile insurance. Their service has been the best of the small...
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USAA provides great insurance for auto and home

by kks5369 , Jun 08 '01
Pros: Inexpensive, takes card of claims promptly
Cons: For military members and veterans only
If you are eligible (active military, reservist, etc), I recommend USAA for auto and home insurance, as well as home warranties. I have not found better prices anywhere, including the discount companies like Geico. We have had USAA insurance for 3 ...
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So helpful...

by qtkissiebear , Oct 26 '00
Pros: Great rates and very flexible
Cons: None
The reason I use USAA is because this was the insurance company my husband had when we were married. Now, how we found the best aspect of this company was when we were in our second car accident within three months. We were in a four car pile up and...
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Unethical Treatment by USAA

by vruk , Jul 11 '01
Pros: Things will run smoothly when you have no accidents, tickets or claims.
Cons: USAA extorts money to recoup their losses by threatening nonrenewal or dramatic premium increases.
For fifteen years we have had USAA auto insurance, faithfully paying our premiums(1000.00 a year for 4 vehicles, 3 of which are liability only and over 20 years old. We soundly recommended the company to everyone we knew who could qualify for their...
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Product Rating:Product Rating: 5.0
 

Wish we were still Military!

by LorriKern , Jan 24 '00
Pros: Friendly Customer Service, Lower than average rates
Cons: none noted
When my husband and I got married over 10 years ago, he was still active Air Force. He joined just out of high school and enrolled in the military to work his way through college and law school. We had USAA insurance at that point, and I was amazed at...
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USAA: possibly the best business in the world

by natemonroe , Dec 16 '99
Pros: friendly agents, fast service, error-free bills
Cons: NOTHING--I am serious--except you must be military or mil-relative to be eligible
USAA I can say with all confidence is the greatest business I have ever dealt with. Bottom line: they are the cheapest, friendliest, and most error-free insurance company I have dealt with. I also recommend ALL their other services. I bank with them...
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GET WHAT YOU WANT, GO USAA!

by BRIANWATKINS , Jan 04 '00
Pros: It just doesn't get better than this.
Cons: Don't go anywhere else.
Dear Reader,
I have been with USAA for about three years, while being deployed to Germany,and Bosnia. During the time in Germany I haven't had any problem with receiving statements or updates from USAA. They have always worked with me through...
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Tops in Customer Service

by PhilB , Oct 08 '99
Pros: Price, service, customer satisfaction
Cons: None that I know of.
If you like to talk face-to-face with your insurance company, you'll have to move to San Antonio if you want USAA. But if all you really want is knowledgeable, friendly, helpful customer service folks, this is one company that delivers. USAA is set up...
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Product Rating:Product Rating: 5.0
 

Incredible Insurance

by jonnieringo , Feb 09 '00
Pros: Great rates and service, reputable
Cons: To qualify for auto insurance no DUI/DWI
I have been a member of USAA since 1997 and have to say that I have been nothing but pleased with their service and coverage. Origionally the company was limited to providing insurance to military officers and their dependents. In 1997 the company...
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Product Rating:Product Rating: 5.0
 

Satisfied for 25 years

by jimNtexas , Nov 15 '99
Pros: the best insurance company, no local agents
Cons: no local agents
I purchased my first USAA policy in 1974 when I was an ROTC cadet. I have been with them ever since for home, car, and life insurance.

They are just great. They have always been leaders in automation, and even though you may talk to a...
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The best deal in the USAA

by tadasa , Jan 26 '01
Pros: great rates, helpful customer service, easy to navigate website
Cons: none
I've been a USAA member for ten years and I've never had a problem with them. They were helpful to me when I first started driving and I've continued to use them for all of my insurance needs. Their customer service people are very helpful and can answer...
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#1 in Customer Service!

by x13007 , Jul 29 '01
Pros: Good rates. Great Customer Service.
Cons: Limited eligibility.
In a time when good customer service seems to have disappeared, USAA seems to be a hold out in that area. Customer service seems to be a priority. I have found USAA's representatives to be very friendly. Yet they maintain a very professional stance....
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Product Rating:Product Rating: 5.0
 

Excellent Home and Auto Insurance

by gidyup2 , Dec 22 '99
Pros: Speed, cost, integrity
Cons: Occasional use of outside companies
I have been insured by USAA since 1984. As a member I have never been turned down for a claim, nor have I had a problem resolving a fair compensation for the 4 claims I've had since 1984. The insurance is very affordable. And as a bonus, they offer a...
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Product Rating:Product Rating: 5.0
 

#1 Auto Insurance

by skillett93 , Dec 21 '99
Pros: Price, reliability,movability,refund
Cons: Have not found one yet!
I would like to begin by telling you that I'm a mother of two who is married into the military. We started out at the bottom only E-1, and had to struggle. Being young we had to pick an insurance carrier that would take us due to our lack of...
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very happy with all my products

by mepinion123 , May 14 '04
Pros: awesome products/services. I always start my shopping with USAA before looking anywhere else.
Cons: I've never had other insurance-it is hard to say what could be better ?
I've been a member since 1987 and my parents for many decades before that. No one is perfect, and I've had a few problems here and there, but I've found that by talking to a manager or writing an executive level person, I've always been satisfied with ...
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Nightmare whenever you deal with auto claims

by arcticmoose , Aug 12 '06
Pros: They're very good at taking your money.
Cons: Almost no one who works there is competent and they regularly break all their promises
I had an accident where the other driver was not wearing corrective lenses (as required on his license). The first adjuster told me that he had no way of getting any information on the license restrictions (even though all insurance companies can easily ...
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this is not your dad's (or mom's) USAA

by afguy , Jun 07 '03
Pros: do not have to deal w/ agents, but then no one is accountable
Cons: customer service is no longer a priority, they only want your premium
When I first started with USAA in 1981 they were different from any insurance company I had ever dealt with. In the last few years they have become the same as everyone else. They are great to deal with while collecting your premiums, but rude and near...
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VERY Dissatisfied!!!

by shawn57nomad , Feb 14 '06
Pros: Cost....
Cons: Customer Service, Claims Department, Service in general
Just a little about my experience with USAA...A little over 4 years ago I was enrolled in their auto insurance. I originally enjoyed the rates and coverage I was receiving from them as a whole, until I placed my classic truck on the insurance policy ...
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Just another insurance company

by erik-k , Feb 27 '08
Pros: Good website
Cons: Wouldn't even discuss motorcycle coverage
I've been a USAA member since 1991. They have extremely loyal customers; until two weeks ago I was one of them. I had been with them since college and they were the only insurance company I would think of using. I had two claims back in the 90's and ...
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My Insurance and Banking company for life

by flymiester , Jun 21 '02
Pros: Excellent customer service, short phone hold times.
Cons: Not local, can't see a real person.
I use both the USAA banking and insurance products. As a military veteran they provide the best option. I enjoy doing my banking via the Internet and updating my Microsoft money files. Everytime I've spoken with a USAA representative via telephone,...
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What it means to be a USAA member

by ihelp , May 18 '03
Pros: USAA is more than just a property and casualty company.
Cons: I wish that I could have joined sooner
USAA is something of a marvel to me. I honestly thought I would never like an Insurance company as much I do with USAA. As you have read before and after me, so many people say USAA = Service. I am more inclined to mention USAA does more than be a...
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They do it right.

by imfun4lovin , Jan 30 '03
Pros: Wow. They've got everything and it is world class.
Cons: Are you kidding? I guess the biggest con is not everyone can be a customer.
I am a customer because of my dad's military affiliation. He has no idea that I look at my affiliation with USAA as a legacy left by Dad. USAA is awesome. I have been with them about 10 years and have the following with them: auto, home, jewelry...
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adding to chorus

by nwerle , Feb 28 '02
Pros: service, service, service.
Cons: policies could be easier to understand.
If we want America to work better, then companies have to start to emulate USAA and its business model.

I am a cynic and do not find any business to be good to deal with. I have a complaint about any company you can name - try me. Email me...
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after 20 yrs I'll be moving on

by hercules130 , Jun 06 '03
Pros: no agents, 800#s, fair premiums, but no where near fair settlements
Cons: no return calls, refuse to pay fair market value, no customer satisfaction
I've been w/ them since 1983 and they never had any problems accepting my premiums. now that I finally have a claim they have all but disappeared. as I understand it, a banker took over the company 3 yrs ago and now all they focus on is the bottom line....
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Thanks for everything and not robbing me!!

by hotaru25 , Aug 03 '00
Pros: great service, great prices, reliable service
Cons: none!
I selected USAA for my auto insurance because I was looking for a good company and my father highly recommended the company for many reasons.

My father had an account with State Farm insurance for well over 25 years and they have been...
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Check around first

by whodonedat , Mar 12 '02
Pros: Never had to deal with a claim
Cons: Way high premiums and drag their feet to give you discounts for which you qualify
Shortly after I got married and moved to another state, my wife and I decided to get auto insurance through USAA. She comes from a military family and we had heard good things, so we decided to give it a try.

Unfortunately, we didn't look...
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WORST INSURANCE I'VE HAD

by innocencequeen , Jan 17 '07
Pros: low rates, other types of insurance available i.e. home...
Cons: costumer service, hours, availability of employees, inaccuracy of your records
I had a minor "accident" on Jan 7. It is Jan 17 today and I still have not spoken to the person in charge of my claim. She has only called me twice, and at really bad times may I add, and never returns my calls. From that day to now I have probably ...
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the best in the business

by serenitybreeze , Oct 25 '00
Pros: great rates and service. fast claims settlement.
Cons: none
I have been with USAA for years. They absolutely cannot be beat. I am an agent, and I could not beat their rates if I write the policy myself and take the commissions on it!

Their service is tops, their CSR's are knowledgable, claims are...
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Not the same company it used to be

by mjsjr66 , Mar 06 '07
Pros: In the past, their biggest asset was their relationship with the membership
Cons: I don't believe that their priority is serving the membership anymore.
I have been a USAA member for over 20 years. This past December, I filed a claim for an accident that was my fault. I took my vehicle to the USAA recommended body shop and my vehicle still isn't right (March 2007. While the direct service from USAA ...
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Thank goodness

by milesje , Nov 06 '00
Pros: PRICE
Cons: Only available for active, retired and reservist duty military personnel
At last, a very respectful company that offer great programs. If you ever had the delemia of auto insurance this is a great company. I have 3 vehicles with 3 authorized driver and I only pay around $600.00 every 6 months. I called Geico and the wanted...
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Even Cheaper Than Geico

by brian2360 , Aug 09 '01
Pros: Inexpensive Insurance, Great Customer Service
Cons: None that I've found
I changed my insurance a few months ago because a friend told me about USAA. He said I would save a lot of money by going with USAA and I definitely did. I saved over $100 on my premium with USAA, than what I was paying with Geico. I'm also getting...
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Fortunate for anyone who qualifies for membership in this organization.

by pet1950 , May 11 '01
Pros: Best rates with excellent reputation.
Cons: None that come to mind.
Have had car insurance and renter's insurance with USAA for 18 years and have never had a problem. Their rates are the best that I have found anywhere and representatives are more responsive to requests than any other insurance company.

...
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WARNING--TOTALLY UNHAPPY TOO

by ygbsm , Jul 13 '00
Pros: Helpful Customer Service Personnel
Cons: Sacramento Auto Claims Office is a serious problem
Sacramento Auto Claims Office is Bad News!!! I have been insured by USAA for over 35 years. Several years ago I was rear-ended and received a serious neck injury. I filed a claim against the Underinsured Motorist Coverage in my policy. The Sacramento...
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Getting worse....

by kail23 , Feb 24 '03
Pros: large solid company-still fairly good
Cons: losing it's personal touch-getting stingy like other rinsurance companies
I have used this company for 20 years and am thinking of leaving. They used to be excellent, but now they are feeling the pinch just like all the other insurance companies. They have been more stingy on what they will include on claims, and fight to not...
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I love USAA!!!!

by dllenzie , Aug 28 '00
Pros: Trustworthy; reliable; honest
Cons: None
I have both vehicles insured thru USAA and I also bank w/ USAA.

To say the least, USAA has proven to be a reliable, trustworthy, easily accessible insurance company. Their rates were lower than any others that I found out there.

...
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great rates/bad service

by beccasue6 , Dec 01 '00
Pros: great rates
Cons: bad customer service
about two years ago we got usaa aout insurance, we made the first two payments fine and then the statements stopped coming, after not receiving one for about 6 weeks, I called to ask them why and they said that they cancled my policy, when I asked them...
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I would never switch insurance companies

by dustinsmiley , Feb 24 '01
Pros: Friendly customer service, competitive rates, easy claims
Cons: Must usually deal with them over the phone
I've dealt with USAA the entire time I've had car insurance. They are extremely helpful with any problems or questions I have. Claims are quick and easy to process. Although I haven't done extensive price shopping because of their superior customer...
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Rates are "low" because USAA doesn't pay off..

by Lonnie_A , Jul 14 '00
Pros: Can't think of any
Cons: Rude adjusters
I have read with interest all of the positive comments about USAA's low rates. Although I do not know how low their rates are, I do have an idea as to why they may be low: Simply put, they don't pay off. I personally would rather pay a few more...
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What a Great Deal

by JJS7000 , Oct 04 '00
Pros: Less expensive, no problems with claims
Cons: Have not found any
I have been a member of USAA for 12 years (my father is retired military). I am grateful that I have this company available to me. They have been nothing but kind and helpful when I have had to make a claim.
I also cannot believe that you get a...
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USAA & Consumer Extortion

by slvrfox , Aug 18 '01
Pros: Big Company, Good rates, Quick accident Claim processing
Cons: Too much USAA junk mail, once you are a member.
Hello Everyone,

This is a tale that you could be yours. In December of 1999 I was driving my car down a hill near my home. The roads were snow covered and the conditions average for this time of year. At the base of the hill was an 80-degree...
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Product Rating:Product Rating: 5.0
 

USAA advantages

by seaskymom , Apr 17 '00
Pros: lots of them
Cons: cant find any right now.
I was not, nor have i ever been in the military! USAA offers family of military members (past or present) to have accounts--which is very generous of them. I have my own account because my father was in Vietnam. Some of the things I love about...
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Product Rating:Product Rating: 5.0
 

Superb Coverage and Cost!

by dpecor , May 19 '00
Pros: Excellent Services and Benefits; competitive rates
Cons: not available to non-military/government personnel or affiliates
Considering the average costs of car insurance around the United States, USAA has remained competitive and affordable. Periodically, I've browsed around other agencies and investigated the costs of insurance coverage under their programs. I have yet to...
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Product Rating:Product Rating: 5.0
 

Guarenteed to save!

by rochelle01 , Dec 20 '99
Pros: Affordable
Cons: Availability
It has never been so easy for me to get automobile insurance. All it took was a simple phone call! No need to go anywhere. I did it all from home. You can call anytime of the day, they operate 24hrs. Not only was it simple, but it saved me a bundle....
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Product Rating:Product Rating: 5.0
 

The Most pleasant surprise

by dmorganw , Dec 13 '99
Pros: low cost - excellent coverage and service
Cons: none
Made the switch from another company a few years ago when USAA opened membership to enlisted servicemen. After purchasing a mini RV and trying to add it to my existing policy with Progressive - they wanted to raise my rates substantially, calling the RV...
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Taking the time to because it is important

by usaasucks2 , Sep 27 '08
Pros: Easy to maintain your policy.
Cons: Terrible with working through a claim.
So taking the time here to basically echo the same complaint. An important thing that I don't see noted yet is the overall rating on Epinions vs Trend during the last 2-3 years. Things appear to be going in the wrong direction at USAA. They have a ...
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I wish all insurance companies were like this one

by speedious , Jul 23 '01
Pros: Very Inexpensive Great Customer Service Easy claims handling Fight for you
Cons: Not available to everyone (only family of military or veterans)
I have had USAA now for 10 years for automobile insurance as well as for homeowners insurance. I have occasionally checked quotes with other companies and they have been at least double what I am paying at USAA. I have been in a couple of accidents with...
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USAA---best auto insurance!

by Nlion79 , Apr 09 '01
Pros: Excellent service
Cons: None whatsoever
We've been USAA members for well over twenty years now and they are the very best company to deal with! However, since this is about USAA auto, I'd like to relate a recent experience that illustrates their outstanding customer service. My daughter, a...
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Disappointed in USAA's service

by paul_r , Apr 20 '01
Pros: telephone accessibility
Cons: no fact-to-face contact
I switched to USAA for 2 reasons: I'd heard lots of good word of mouth, and my California carrier can't insure me in Georgia. My first day driving in Georgia, I was in an accident caused by another driver's running a red light and going too fast for...
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Product Rating:Product Rating: 5.0
 

BEST INSURANCE EVER !

by luvkorn2 , Mar 13 '00
Pros: EVERYTHING
Cons: you have to pay for it
I can not say enough good things about USAA auto insurance , If you are not related to someone in the military you can not receive USAA auto , I feel so sorry for you then . My father was in the navy and now I get the insurance . USAA is very...
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Product Rating:Product Rating: 5.0
 

USAA IS A OK

by DUNCAN01 , Jun 11 '00
Pros: QUICK AND EASY
Cons: A LITTLE MORE EXPENSIVE THAN I THOUGHT BUT WORTH THE COST
When i moved to Germany about 3 months ago i needed a new insurance plan for my car and my motorcycle. I hunted all around for cheap insurance that would meet my needs. I was told by a friend that USAA was very affordable, quick and easy. Well, i decided...
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Product Rating:Product Rating: 5.0
 

Saving Cash!

by hhennel , Jun 07 '00
Pros: Excellent Price
Cons: none
Ever since I joined the military I have used USAA to serve my auto insurance needs. I just took them for granted because I liked the fact that they catered to the military. However, I started getting some prices quotes from other carriers and I...
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Product Rating:Product Rating: 5.0
 

The best insurance company

by Kodiakforever , Oct 18 '99
Pros: Service and Prices
Cons: none
USAA has proven to me to be the best insurance company out there. I've just recently started my plan with USAA and the service has been great, plus the rates are great for my income. I've managed to save over $200 switching over to USAA this last year....
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Felt burned on claim

by debussy72 , Nov 23 '08
Pros: inexpensive. policy service is very professional
Cons: unpleasant claims experience
Overall USAA seems very solid and professional, and it seems indisputable that they are the least expensive insurance around. However, like some others describe, I am not happy with the claims service. I was in a minor scrape-up which was, at worst,...
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Product Rating:Product Rating: 3.0
 

USAA -- Be careful when deal with their Life Insurance Company!

by svoice , Jan 10 '09
Pros: Filed claims for personal property before and was extremely satisfied.
Cons: Can't trust their quote. War zone coverage rate applys long before soldier's deployment.
     My husband is currently active duty. We began his term life insurance application process in March 2008 and received a quote of $74 through ALL the agents we've dealt with, even the result from online application gave us the same ...
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Product Rating:Product Rating: 5.0
 

Excellent Claims Experience

by tjones298 , Jan 07 '09
Pros: Excellent claims service
Price
Ability to serve all my financial needs
Cons: not everyone is eligible
I have had USAA as my insurance company since I started working for them in 2006. I nor my husband has been in an accident since 2002, that all changed however in October of 2008 when my husband was hit head on by an uninsured drunk driver. ...
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Product Rating:Product Rating: 5.0
 

Easy to work with, Exceptional Service

by heilert , May 28 '09
Pros: inexpensive, extremely helpful reps, great service
Cons: no local offices
I have had insurance with USAA since the day I turned 16.  I am now 33 and have never had insurance with any other provider, and barring unforseen circumstances, never will.I have, unfortunately, had to make a few claims on my policy.  ...
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Product Rating:Product Rating: 1.0
 

Look Out

by majpaul , Aug 24 '09
Pros: Restricted Membership.
Cons: Customer Loyalty.  Very high premiums for some members.
I am a retired USAF officer. I have been a member and have insured my auto's with USAA for 33 consecutive years. I, nor anyone in my family, have had an accident, moving violation, or filed a claim with USAA in those 33 years.  In August of 2009 I ...
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Do not call USAA
by paul321 ,Dec 26 '03
Pros: None
Cons: Poor service--look for a local insurance company with a local agent.
When my daughter backed one of my cars into another one of my cars in my driveway, I called USAA to check on my coverage. I just wanted information on my policy and they filled out an accident report. This incident took place on private property with no police report filed. Because my deductible was more than the incident, I told them to forget the entire matter. They didn’t!

I have six vehicles and my house insured with USAA and have been a member since 1962 (41 years). Now USAA has jacked up my insurance premiums and threatened to cancel my umbrella policy. I send them $655.50 each month (I live in western NJ). THIS IS SERVICE? Maybe we all should be looking for a different insurance company-one with a local person you can talk with instead of ten different people on the phone!

Advice: Don’t call USAA

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Difficult w/claims
by sarrow ,Jun 29 '07
Pros: Priced Well
Cons: Shoddy payment of claims. Lowballing the value of your vehicle.
They are priced well; however, make it back when you file a claim very much undervaluing your vehicle "we don't use NADA or Kelly Blue Book" instead they use a service which values your car about 50% of those services.
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Great claims experience
by rbunner ,Aug 10 '05
Pros: Great rates; fast and fair claim service
Cons: Need military affiliation
I wanted to weigh in on my recent claims experience that others have reported on in this forum. I recently lost my two year old car that was consumed by a fire that started in some condos next to the street where it was parked. Since I bought the car new, I was expecting to take a significant hit on depreciation. I had read some of the reviews in this forum that suggested I might not get a fair shake with USAA. That was not my experience. There was virtually nothing left of the car, so the adjustor called me and asked me about the features I had on the car. After I told him, including the new tires I had just purchased, he got back to me within the hour and gave me the appraisal. It was very comparable to what Edmunds appraised the purchase of a similarly used vehicle from a dealer. USAA continues to stand out in my mind as a first rate insurer with very competitive rates.
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USAA still screwing me after 9 months
by ihatemyhonda ,Jan 23 '07
Pros: Yet to think of any positives
Cons: Every single aspect of dealing with this company has been negative.joshuaarendt@puregetaway.com
I was involved in an auto accident and USAA was the insurer of the other driver and wow this has been the worst ordeal I have ever been through. Dealing with there company has led to nothing but frustration and it's just truly amazing that they do business this way. I and my attorney have repeatedly filed medical bills with them to which we have heard the response of "we have not received the bills, we are processing them, we still have not received the bills, there is a mixup on our end, we are still awaiting the bills to be sent to us". They have changed there stories multiple times and have proven to be dishonest on multiple occasions. They do not return phone calls in a prompt manner if at all. Sometimes my lawyer and I have waited for weeks to receive a call back and then we've been forced to resend all the information to them yet again. I strongly urge you to use any insurance company but them as I do believe they will leave you stranded if you're in need of there help.

Joshua Arendt
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Great rates, but poor customer service when it counts
by joe_agogo ,Feb 21 '04
Pros: Great prices
Cons: Unreliable customer service when you call or make a claim
I have been with USAA for 17 years now.

Recently, I contacted USAA when another driver hit my car from behind. The other insurance company, Sentry, assumed full responsibility and paid for my damages. The claims person from Sentry was easy to get a hold of and very polite. The claims person from USAA was impossible to get a hold of and was distracted while I was talking with him over the phone.

I would say USAA's customer service is fine if you have questions about your policy, or things like that. When it comes to claims, however, their customer service is very dependent on who you happen to get when you call. You may get a good, professional person, or you may get an inexperienced person that can make things difficult. It's the luck of the draw.
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USAA - simply the best
by fudge23 ,Sep 16 '03
Pros: Good if you can get it - must have a military connection
Cons: None - top notch customer service - excellent rates. Super deal!
USAA is for military personnel and dependents only. As my Dad was a career military man, I was able to get covereage with them when I was 18.

They offer excellent rates, excellent service and have super customer service. They simply beat all other insurance companies such as State Farm.

You get discounts for multiple cars, they have branched out and offer renters insurance, banking services and have good discounts when renting cars nationwide. They also issue discounts when renting hotels.

They are a super company and clue you into ideas and savings. They don't try to push services on you - they just make you aware and let you make the choice.

They have a good web page that allows you to check on your balances, receipts, insurance payments etc... I check it all the time to see how everything is going.
So far, I have cars, renters insurance, and credit cards with USAA and am very thankful. I have used other companies but will stick with USAA from now on.

Great company - use them if you are eligible.
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THE BEST
by angstusn ,Mar 27 '07
Pros: Customer service, pricing, attention to detail
Cons: None at all
I have been insured by USAA for over 5 years now. I have my renters and auto through them. In my experience I have never talked to a machine. They answer within a couple of rings. They go way out of their way for customer service. They have the best prices. If you find a better price they will match it. I have actually never complained about anything with them.
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Why I love USAA
by andrew_lytle ,Apr 02 '08
Pros: Excellent Customer Service, Great Prices, Great Products
Cons: None
Every time I've called USAA, they've been incredibly helpful and courteous. They make every transaction relatively seamless and easy for the user. If you have the opportunity to sign up, I'd recommend it without hesitation.
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Poor Claims Service
by pearlander ,Oct 31 '03
Pros: none
Cons: poor claims service for non-USAA policy holders and unprofessional claims representatives
Last month I filed an auto liability claim against a USAA policy holder. I found the USAA claim representative very unprofessional and quality of service very poor. The claim rep had me drive the car 30 miles to an appraisal center despite the fact the car was not safe to drive. I could never reach the claim representative on the phone and had to leave 3-4 messages before the claim rep would return my calls, always after several days have gone by. Contacting another claim representative was not helpful either as I was informed that I have to work with the claim representative assigned to my claim. They would not give me name of a supervisor either. It took over a month to process the claim. This is a very different experience I had in comparison with other insurance companies.

The USAA web site has no information in regards to filing customer/claim service complains. There's no information also on who are the company's officers or board of directors either.


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Good Company
by dizziman ,Aug 22 '07
Pros: Good customer service
Cons: For military only
I personally work for Amica. But everytime I have to communicate with a USAA rep over the phone regarding a claim. They are always very polite!
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Product Rating:Product Rating: 5.0
 
USAA is the best!
by dlmadison ,Jul 04 '09
Pros: Affordable, courteous, great service!
Cons: None.
I have been insured with USAA since age 16, and I'm now almost 33.  Due to an unfortunate series of recent events, I got an OWI in Wisconsin (same as DUI).  Since I was sitting in a parked car waiting for my husband to pick me up when the officer pulled up behind me, there were no other violations involved.  I am contesting the OWI in court, but the Department of Transportation is still suspending my license for 6 months and requiring an SR-22 before it will approve an occupational license.  After reading numerous posts on the internet that USAA will immediately drop you and/or hike your rates astronomically, I was terrified to call.  However, USAA was WONDERFUL about the whole thing, and my rates are only going up by $6 for a 6-month policy!!!!  Don't believe the scary internet stories - USAA is the best!
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Product Rating:Product Rating: 5.0
 
Unbelievable customer service
by sd2120 ,Sep 11 '09
Pros: customer service, fairness
Cons: none to date
Have had USAA for banking for years, and then brought auto insurance under the same roof. The customer service is truly best-in-class, and they truly are fair about claims.
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Product Rating:Product Rating: 3.0
 
Leave USAA after nearly 3 decades
by bartelemy ,Apr 22 '09
Pros: Friendly service     Reasonable premiums
Cons: Poor claim service      Inefficient phone system
Have been with USAA for 28 years.  The phone system and difficulty reaching a representative and response to a claim (we have made 3 in this time) has caused us to rethink this whole company.
At the beginning, my father introduced us to USAA.  They were very good to him.  Although we did not have a local insurance agent, contacting USAA was easy and we were connected with agents quickly.  That has changed dramatically.  The agents are friendly, if you can get them on the line.
I do not want to go online every time I have a question. Just want to talk to a live human being.   Last time I called it took 45 minutes to get to the right person.  My question was simple and answered in less than 3  minutes.  Since USAA does not have to pay local insurance agents, maybe they could improve that.
We have made VERY few claims and small ones.  One time a car of ours was stolen and we went through hell to get low Blue Book.  With all the premiums we have paid, could they spare the measly $2400?  Nope we got $1700 after a LOT of haggling.
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