FAST FACTS ABOUT USAA INSURANCE

• USAA Insurance offers various insurance products and other services in all 50 states, Washington, DC, and other international locations.
• Only active military or ex-military and their family members are eligible to obtain USAA Insurance.
• USAA has one of the lowest prices on the market when it comes to auto insurance, including low rates for teenage motorists and adults over 50.
• USAA insurance reviews regarding customer satisfaction are excellent and among the best in the insurance industry.
• Today, USAA insurance has more than 13 million members who are satisfied customers who continue to renew their policy each year.
• In addition to the savings that USAA fees provide, members can qualify for sizeable discounts.
• USAA has other insurance coverage, including home, life, and health.

USAA Insurance Details

• Address – 9800 Fredericksburg Rd. San Antonio, TX
• State – Texas
• ZIP Code – 78288
• Phone Number – 1-210-531-USAA (8722)
• Sales – 1-800-531-USAA (8722)
• Website – https://www.usaa.com/
• AM Best Rating – A++
• Year Founded – 1922

Suppose you are looking for an insurance policy with the lowest possible rates. In that case, you surely need to find a reliable company with adequate financial strength, and USAA Insurance or United Services Automobile Association is one of the top industry leaders. Here is a complete guide to USAA Insurance. 

You can check out the prices of their insurance products, the discounts they offer, and the details of their customer service department.

Remember that the best choice of insurance depends on a detailed analysis and a thorough comparison. This is why comparing USAA Insurance against at least ten different providers is essential to get an accurate price comparison.  

General Information About USAA Insurance

USAA (United Services Automobile Association) is recognized for serving the military community and their families in 50 states and Washington, D.C. The company offers a wide range of services and products to cover its clients’ insurance needs. Besides the popular lines of casualty insurance, USAA provides banking and investment services.   

Active and former military cadets, midshipmen, and family members eligible for coverage qualify for USAA insurance.

USAA should be your first choice if you are a military community member and need insurance because of the low rates, coupled with USAA’s strong financial position and excellent customer service.  

The large provider’s ratings and reviews regarding customer satisfaction are excellent and among the highest of any insurer. This is undoubtedly an indicator of the excellent service provided by the company. Consistently consumer data analysis agencies, including Consumer Reports and J.D. Power, give USAA excellent reviews on a variety of customer satisfaction metrics.  

USAA began operations nearly 100 years ago, back in 1922, to financially protect families with United States armed forces members. Today it has more than 13 million members serving every region and state.  

USAA Insurance Products

The company provides insurance policies that cover a wide range of risks. They include the following insurance:

• Car
• Home
• Life
• Rental property
• Valuable personal property
• Condominium
• Flood Insurance
• Annuities
• Umbrella Insurance
• Motorcycle, RV, and Boat
• Small business insurance

Customer Service Information  

There are many ways to get in contact with USAA.  

USAA Main Telephone Numbers

210-531-8722

800-531-8722

Shortcut Mobile Number

#USAA (8722)

Customer Service through Mobile Phones

A Global Call Center is available in partnership with several companies, including T-Mobile, AT&T, Verizon, and Sprint.

For more specific information, you can check the contact page of the company’s website. There you can check the telephone extensions for more specific services.

USAA Auto Insurance

The company offers basic coverage and other additional coverages that are adjusted to the needs of each member and are beneficial for both the driver and the passengers of the insured car.

Basic Auto Coverages

• Liability coverage: This coverage is protection to third parties. Covers damage for bodily injury or property of third parties in an accident where the insured vehicle was found at fault.
• Comprehensive coverage: It covers damage to your vehicle from multiple events not related to a collision. These incidents can include natural phenomena such as floods, hail, fires and other intentional events such as vandalism or theft of the vehicle.
• Collision coverage: This coverage protects the vehicle from damage suffered as a result of a collision.

Additional Coverage Provided by USAA 

• Personal Injury Protection: PIP covers the driver and companions for medical and funeral expenses, lost wages, and others, regardless of who was at fault for the accident.
• Extension of Benefits: This protection allows the insured to receive temporary benefits from their health insurance policy after the terms have expired. It usually occurs in exceptional circumstances, such as hospitalization or illness that prevents you from working temporarily. In the event of disability or death, the benefits are higher.
• Bodily Injury by Uninsured or Underinsured Drivers: It covers medical expenses in the event of an accident caused by an uninsured or underinsured driver. This insurance also covers the case in which the driver at fault in the accident runs away.
• Uninsured Motorist Property Damage: Covers damage to the insured vehicle caused by an accident where the at-fault vehicle is uninsured or underinsured.
• Rented Car Reimbursement: Covers the expenses of the rented car during the time your vehicle is under repair after a covered accident.
• Roadside Assistance: This service is designed to help you if your car breaks down on the road. A few of the most commonly included services are battery replacements, vehicle starting, towing, tire changes, and emergency fuel.

USAA Car Insurance Costs and Discounts

Below are USAA Insurance average rates for 12 months of minimum coverage and full coverage:

The average annual cost for Minimum Coverage: $384

The average annual cost for Full Coverage: $1125

Insurance USAA is proud to promote average savings of $707 for those customers who choose to choose it as their insurer. To determine if you would pay more or less than company averages, get an instant quote from USAA by entering your zip code below.

What Factors Are Considered When Calculating Your Premium? 

Several factors influence the cost of your auto insurance. Factors such as the driving history or age of the driver, where the vehicle is parked, the type of car driven, a person’s credit, and the miles they drive each month are taken into account.  

[notification content=’If your policy includes protection for a driver under the age of 25, the rates are likely to be high.’]

The same is true if you have multiple accidents and fines on your driving record. Suppose you drive a very modern vehicle with additional features. In that case, your rate will also be increased, as it is more expensive for the insurer to repair or replace the car in the event of an accident.

On the other hand, if you drive a few miles per month, your chances of an accident decrease, and your rates with it. Another factor in determining your insurance premium is where you live. Many vehicles are also on the road in highly populated areas, increasing the risk of an accident. In such a way, your premiums will increase.

USAA Auto Insurance Discounts

In addition to the savings that USAA fees provide, association members can qualify for substantial discounts. Military members deployed in the fulfillment of their service can receive discounts of up to 60%.

Some discounts you can qualify for are:

• Defensive Driving Discount – If you pass a certified defensive driving course
• Safe Driver – If you have a good driving record for five years
• New Vehicle – If your car is less than three years old
• Good Student Discount – Full-time students, under 25 years old, with a 3.0-grade point average or better, those in the top 20% of the class, or those with an academic award can qualify.
• Vehicle Storage – Storing your car while on duty can save you up to 60%
• Discount for military installation – If you park your vehicle in a military installation, you can save up to 15%
• Multi-Vehicle – If you insure two or more cars with the company
• Multiple Policies – By combining your auto insurance policy with another type of policy, you can get a discount
• Accident-Free – If you are a driver with an accident-free history, you can receive a discount on your premium from USAA
• Loyalty discount – If you stay with USAA insurance for a certain period

Get a USAA Insurance Quote

Since many insurance companies offer similar services, it’s wise to check that USAA fits your needs best. For that, you must make a comparison of your services. Using our free quotes tool, you can make the best decision and obtain the policy with the price that best suits you according to its coverage.

USAA Insurance Ratings and Reviews

As is typical with insurers, clients have mixed opinions about USAA. However, you should note that most of the clients have positive criteria about the company.

Commonly, in the insurance studies conducted by J.D. Power, USAA is one of the highest-rated companies.

Fundamentally in auto and home insurance studies, they rank among the best insurers based on general satisfaction according to their clients’ opinions.

Unfortunately, only active military or ex-military and their family members are eligible to obtain USAA Insurance, so it is considered a limited availability company. This is why J.D. Power does not award you a spot on their leaderboards.

On the other hand, BBB evaluated USAA Insurance with an A- rating based on the evaluations granted by more than a thousand clients. In this case, the average number of stars was 1.26 out of 5, based on customers who had complaints about USAA’s service when they most needed the company.

Rating Company	USAA rating
J.D. Power / Auto Insurance Study in USA 2020	890/1000
J.D. Power / US Home Insurance Study 2020	905/1000
Better Business Bureau	A-

The National Association of Insurance Commissioners considered that USAA Insurance had a low average of complaints among its clients, especially considering its size.

• NerdWallet rated USAA’s overall performance 4 out of 5 stars.
• On USAA’s Official Facebook page, customers rated its services 4 out of 5 stars and gave positive feedback on its staff.

USAA Official Website, Technologies, and Apps

USAA Insurance Company has an Internet portal with much information for clients but is only available in English. There you will be able to clarify any concerns you might have about the company’s services. In addition, you will be able to obtain all the telephone numbers and hours for customer service. If you want to access the site, you can visit it at: https://www.usaa.com/.

USAA Mobile App

The USAA Mobile application, which you can download from Google Play, gives association members convenient access to their personal accounts from their mobile devices. Through it, you can manage your finances, investments, insurance, and much more.

Because USAA is a business founded by military members, the USAA Mobile App considers its customers and their families unique needs.

USAA Community

Through the online community that the company offers and which grows every day, help is provided for its members. At the USAA Community, clients can ask questions, exchange knowledge, and provide financial advice. Most importantly, through the community, its current 614,000+ members can connect with each other.

To access the USSA community, visit https://communities.usaa.com/.

Also, don’t hesitate to get a direct USAA auto insurance quote. You just have to enter your zip code in our form below and start the simple application.

Our Take on USAA

Only active military or veterans and their family members will be able to receive the insurance products and services provided by the company. These products include auto, life, home, renters, and other policies that members can benefit from.

The company offers a convenient mobile application that makes the process of filing claims and paying bills easy. Thus, for those who are technology lovers, this application will be very beneficial.

Another advantage of USAA Insurance is undoubtedly the variety of discounts it offers. If you plan to have more than one insurance product, such as coverage for your car and home, for example, you can benefit from multi-policy insurance. Similarly, if you choose USAA Insurance and are considered a loyal customer, you can obtain a loyalty discount by staying with the company for many years.

Additionally, USAA life insurance policies offer significant benefits. Compared to other life insurance providers, USAA offers affordable prices. For active-duty military members, you can opt for Serious Injury Expense Coverage and Very Affordable War Coverage.

Although USAA is not a company for everyone, it is undoubtedly an excellent option for those who qualify.

Frequently Asked Questions about USAA Insurance

What is the process if I need to file a USAA insurance claim?

Fortunately, you can report your claim through the USAA mobile app or from their website. You can contact a claims adjuster, plan your vehicle repair service, or reserve a rental car, all from the comfort of your phone.

In most states, the inspection process is available virtually. Once you file your claim, you will receive instructions from the company. You can use the virtual inspection tool to upload photos, videos, and other documents showing the damage to the vehicle to streamline the claim process.

Through a network of available workshops that the company has, you can repair your vehicle. However, if you prefer, you can have your car repaired at the location of your choice.

If you are unsatisfied with the virtual claims process, you can contact an agent by calling 1-800-531-USAA (8722).

What details should I remember when submitting a claim on usaa.com or the mobile app?

Before making a claim, keep in mind to have the following information at hand:

• Basic details of the accident; where, how, and when.
• Specific data such as the type of vehicle, the drivers, and the insurance information available to you, your passengers, and third parties.
• Other details that you consider important and that can help you in the process.

What other types of insurance does USAA offer besides home, auto, and life?

USAA doesn’t just offer auto, life, and home insurance, the company also provides medical coverage for its members and their families at very competitive prices. Additionally, pet insurance is offered not only for emergency medical expenses but also for routine care.

How do I join USAA Insurance?

To be a member, you must be an active or ex-military member or be a relative of one of them. Once your eligibility is confirmed, the membership process is free through the USAA website. Then, you will begin receiving product and service recommendations based on your insurance needs.

Where is USAA coverage available?

USAA provides different types of insurance coverage and other insurance services in all 50 states and Washington DC, and some locations outside of the United States.

Can I save while traveling with an auto insurance policy?

The answer is yes. If you rent a car through Hertz, Enterprise, Budget, or Avis and are a member of USAA, you can save up to 25%. You can also take advantage of price-match guaranteed travel plans at hotels, cruises, resorts, or even vacation packages. Additionally, you can get travel insurance with waived service fees.  

How often do I have to renew my USAA Insurance?

The company’s authorized agents must notify you whenever it is time to renew your policy. However, in most cases, the USAA insurance policy will automatically renew. In the event that the policy cannot be renewed, you will be notified by the company.

Compare USAA Insurance Quotes Online 

You’ve heard about how cheap USAA car insurance is, but perhaps you’ve never received a quote. It’s easier than ever to compare USAA insurance rates online. There is no obligation to buy a policy, and you can save hundreds by shopping direct. Get started and see how much you can save.