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United Services Automobile Association Auto Insurance Review

  • 11111
Address: 9800 Fredericksburg Road
City: San Antonio
State: Texas
ZIP: 78288
Phone Number: 1-800-531-8722
AM Best Rating: A++
Market Cap: 18.7 Billion
Year Founded: 1922
Things to Remember...
  • United Services Automobile Association was established in 1922
  • USAA offers standard auto insurance plans to fit the needs of military families
  • The USAA received an award for its exceptional customer service skills by Bloomberg Weekly

This United Services Automobile Association auto insurance review finds a company started in 1922 by 25 Army officers after they were repeatedly refused automobile insurance and they decided to insure each other’s vehicles.

Insurers considered these officers high-risk at the time for obvious reasons. A practical objective to obtain auto insurance grew into the multi-billion dollar company it is today.

Even during the depression, this company grew to include 60 percent of eligible military officers. By the 1950s the company was recognized on the “Best 100 Offices” list.

By 1957, this auto insurance company was already in the computer age using the IBM 650 to automate operations.

By 1962, the company opened another office in London and began diversification by offering homeowners insurance. By 1977, USAA already had $1 billion dollars in assets.

The United Services Automobile Association began sharing their idea with others until they eventually attracted enough military interest to start their own business.

Nearly 90 years later, the USAA is a successful insurer that offers multiple lines of coverage.

This company experienced a continuous climb to success from the date of inception. Even during recent economic downturns, the United Services Automobile Association is able to report non-stop growth in the company.

A few reasons this outfit is so successful is their commitment to loyalty, integrity, and honesty.

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United Services Automobile Association Auto Insurance Plans

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USAA offers standard auto insurance plans to fit the needs of military families. These plans comply with the minimum requirement by the state where the policyholder resides.

This company recognizes the changes that military personnel sometimes experience and therefore offers flexibility.

At the same time, the company offers a savings of up to $450 in comparison to most plans.

They also extend to its military policyholders the same incentives that are available on the civilian market.

Some of the incentives include:

A company representative will inform you of all the other ways to save on your premiums. Plan inclusions are standard as well, with some exceptions.

If you are in need of roadside assistance, tow truck drivers are equipped to offer gas, a tire change, or towing.

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United Services Automobile Association Customer Service

The USAA received an award for its exceptional customer service skills by Bloomberg Weekly. USAA also makes it convenient for its policyholders with the software to manage your policy online.

Claim services are also recognized with a network of 2,300 approved locations where you can get your vehicle repaired.

You can get one-stop shopping, lending, and insurance through USAA’s website. Streamlining these services will surely generate more savings for policyholders.

USAA Claim Filing

Filing auto insurance claims is as simple as using your Auto ID Card. You may use your 4-digit pin number or social security number to use Voiceline services.

Your Auto ID Card is your proof of insurance.

You may access your Auto ID Card information using your mobile iPhone or Android. The system will help you to navigate through the services it renders.

When filing auto insurance claims it is important to have all the necessary information handy to submit to the USAA representative. Windshield replacement claims are referred to Safelite Auto Glass.

Your representative will automatically set up your rental car when you notify them of an accident or when your car is in repair. You must have rental car reimbursement as part of your coverage, and use a USAA approved repair shop.

If your car is declared a total loss, the representative will determine the actual cash value of your car by performing a market survey.

This process entails establishing the condition of your car before the accident and comparing it to existing cars that are similar to yours.

They will notify you of the results, advise you of the settlement amount pending the documents needed, and deposit your settlement check into your USAA account.

United Services Automobile Association: Other Products

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If for any reason, you need to store your car, USAA offers a way to save on insurance. You can save as much as 80 percent when you are deployed or just need to park your vehicle for an extended time.

It is a good idea to store your vehicle in a safe place away from the elements to maintain the condition while you are not driving.

This company offers the following products:

USAA company representatives explain the products offered by USAA on the company website and more in-depth by phone.

When military spouses are deployed, families need the support of the community, and USAA is instrumental in making this happen.

They participate in many community projects to support military families in their time of need in addition to providing informational resources along the way.

USAA Auto Insurance Savings

This company uses some of the same incentives to obtain affordable coverage as many civilian insurance carriers. If you go more than five years without incident, you will qualify for a safe driver discount.

You can take a basic driving course with USAA and receive additional savings in most states. If you combine your homeowner’s policy with your auto coverage, you will be entitled to a multi-policy discount as well.

New vehicles that are less than three years old are eligible in states other than MA and NY. Although this company offers defensive driver course discounts, you may not be eligible if you have violations within the past three years.

New generation discounts are available to those whose parents are members as well.

If you store your vehicle, you may receive up to 80 percent savings. This discount is not available in certain states. The company website or your representative will inform you of which seven states are not eligible for this discount.

United Services Automobile Association Policyholder Reviews

Like many insurance companies, USAA has many mixed reviews. The interesting thing is they have more than 3,600 reviews you can read to get a sense of how effective this insurance is going to be for you.

There are other reviews regarding the good customer service they received in addition to the convenience of being able to pay your bill online.

There are not as many negative reviews, but several of them refer to the misunderstanding of their declaration page or denial of a claim. United Services Automobile Association seems to be a good place to conduct business for military families.

USAA Career Opportunities

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USAA signature slogan is “We know what it means to serve”. The company pays homage to military veterans and families by honoring their service and dedication with preferred employment. Candidates are exposed to career opportunities and training through the Department of Defense Transition Assistance program.

Candidates are exposed to career opportunities and training through the Department of Defense Transition Assistance program.

This program helps military personnel make the transition from the field to the workplace. Military skills may be translated into a position you may already be prepared to perform. Your field experience could be your ticket to a rewarding career, with some additional training.

They also have the Junior Military Officer Program, which operates like an internship. The resume and interview skills assistance option prepares candidates for that desired position.

Internships are available in areas such as:

Military spouses are recognized for their sacrifice with similar opportunities. Customer service positions require 60 hours of college credits or two years of customer service experience.

You may qualify if you have 30 college credits and one year of customer service experience. USAA also reaches out to college recruits through their internship program.

You can get several auto insurance quotes through this link by entering your zip code below!

Reviews for United Services Automobile Association Auto Insurance

    • 11111

    I have been a member for about 33 years. I was recently assessed a surcharge by USAA for a ticket which in my home state of NJ carried no points and no violation. As with many of us, it is sometimes easier and more cost effective to pay online than fight a ticket, however, after paying the ticket, which as stated, carries no points and a minimal fine, I have assessed hundreds of dollars in surcharge by USAA.

    Many years ago, I signed with USAA as they were a company that represented quality and commitment to customer service. Over the years, I have enjoyed what was once a strong commitment and a corporate philosophy of service.

    Now, that is gone and what remains is a company interested only in profit and looking to get 3rd cousins of civil war veterans twice removed to sell products too. It has become so remote and distant that there is no longer a voice. So, after 33 years, I now start to look for a new insurance company, what a disgrace.

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