USAA provides insurance for cars, recreational vehicles, motorcycles, boats, and commercial driving vehicles. If you have a pilot’s license, USAA even offers aviation insurance. They also provide rideshare insurance for Uber and Lyft drivers. Most policies come with the option to add coverage, such as rental car reimbursement and roadside assistance.
USAA stands out among other insurance providers as they offer accident forgiveness for first-time accidents when you are at fault. To qualify, you need to be accident-free for five years before the collision. Traditionally, your rates will skyrocket following an accident. With USAA’s car accident forgiveness program, your rates stay the same following a qualified accident.
USAA's rates are competitive when compared to other major U.S. auto insurance providers. According to a recent study, USAA insurance rates are 40% less than the national average, with the typical policy costing $875 per year. The study found that Geico is the second cheapest insurance provider in the U.S., with an average annual policy rate of $1,099. Allstate was the most expensive provider, with an average rate of $1,787 per year. If you qualify for USAA membership, you will likely enjoy significant savings on your car insurance premiums.
USAA offers several discounts to its members to keep rates as low as possible. The lender provides the following discounts ( list at right ).
Other discounts are available for students who receive good grades, drivers who have vehicles with low mileage, and drivers who have maintained USAA car insurance for multiple years.
USAA offers three levels of coverage: low, medium, and high. The average low coverage policy costs $823 per year, while the typical medium policy costs approximately $875. For high coverage, members pay an average of $930. Thus, it costs just $10 a month to increase your policy from low to high coverage.
Each state sets minimum car insurance requirements for residents to register and drive a vehicle legally. Low coverage USAA policies meet this requirement, depending on the U.S. state in which you live. Many states require motorists to have $25,000 in bodily injury coverage, $15,000 in property damage, and $3,000 in personal injury protection.
These policies offer between $50,000 and $100,000 of coverage for bodily injury, uninsured driver bodily injury liability, and underinsured driver bodily injury liability. Additional coverage, including roadside assistance and extra medical assistance, can be added for an extra cost.
High insurance plans offer between $100,000 and $300,000 of coverage for bodily injury, uninsured driver bodily injury, and underinsured motorist bodily injury liability. Members can choose whether they want a $100,000 or $300,000 coverage limit, which is often dictated by the value of the vehicle they own.
Please keep in mind these coverage levels may depend on the state in which you live.
Recent surveys indicate that USAA is a clear leader in the insurance industry regarding customer satisfaction. USAA ranks high when it comes to the friendliness and helpfulness of customer service agents. According to a recent study, 80% of USAA members were satisfied with the claim filing process, and 73% were happy with the outcome of the claim.
USAA regularly beats out competitors including State Farm, Farms, Progressive, and Geico regarding the insurance claims process. They also consistently rank high regarding policy coverage levels, claims efficiency, and plan costs.
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