USAA Insurance Reviews 2024
Benefits, Drawbacks, Coverage Options & More
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Last Updated: January 15, 2024
- No of reviews: BBB (1,332), Google app ( 196,000), Consumer Affair (771), Trustpilot (1,779), Clearsurance (6,420 ), Total reviews (206,302)
- No of ratings: BBB(1.7), Google (4.1), Consumer Affair (3.7), Trustpilot (2), Clearsurance (4.2), Avg Rating (3.14)
- USAA phone number: 1 (800) 531-8722
- Address: San Antonio, TX 78288 United States (Headquarter)
In this USAA insurance review for 2023, we’ll take a closer look at the pros and cons of choosing USAA for your insurance needs, as well as the products and coverage options available. We’ll also examine customer service, claims handling, discounts, and third-party ratings to help you make an informed decision about whether USAA is the right choice for you.
USAA Insurance: Everything You Need to Know
USAA (United Services Automobile Association) was founded in 1922 by 25 U.S. Army officers who came together to insure each other’s automobiles. Since then, USAA has grown into a Fortune 500 company that offers a wide range of insurance and financial products to military members, veterans, and their families.
Throughout its history, USAA has remained committed to its mission of providing financial security to its members. It is a mutual company, meaning it is owned by its members and operates with the sole purpose of serving their needs.
Pros and Cons
- Excellent customer service
- Wide range of insurance and financial products
- Discounts available for military members and their families
- Strong financial stability and reputation
- Membership limited to military members, veterans, and their families
- Limited availability in some areas
- Some policies may be more expensive than competitors
USAA Insurance Products
USAA offers a range of insurance products, including auto, home, renters, and life insurance. They also offer specialty insurance products, such as motorcycles, boats, and RV insurance. USAA’s insurance policies are designed to provide comprehensive coverage and protection for military members, veterans, and their families.
Other Insurance Coverage
Here are some of the additional insurance products offered by USSA which provide a variety of coverage options to meet the diverse needs of its members.
|Auto and Vehicle Insurance
|Home and Property Insurance
|Small Business Insurance
|Life and Health Insurance
|Pay as you Drive
|Individual and Family
|Bicycle and Electric Bike
|Long Term Care
|ATV and UTV
|Farm and Ranch
|High Value Home
USAA Insurance Ratings and Reviews
USAA is consistently ranked highly by third-party organizations for its customer service and financial stability. For example, USAA has received top ratings from organizations such as J.D. Power, AM Best, and the Better Business Bureau.
In the J.D. Power 2022 U.S. Auto Claims Satisfaction Study, USAA even made fourth place in customer satisfaction for claims, with 890 out of 1,000 points.
USAA performs at or near the top of most insurance studies. The company has an A++ financial strength rating from AM Best and an A+ rating from the BBB, both the best ratings possible for their respective organizations.
USAA Home Insurance Reviews
USAA’s home insurance policies receive high marks for their coverage options and customer service. USAA offers standard home insurance coverage, as well as optional coverage for things like earthquakes and identity theft.
USAA Auto Insurance Reviews
USAA’s auto insurance policies are highly rated for their coverage options and competitive pricing. USAA offers standard auto insurance coverage, as well as optional coverage for things like roadside assistance and rental car reimbursement.
USAA Customer Service
USAA’s insurance products are backed by a commitment to excellent customer service. If you need to speak with a customer service representative for any reason, you can contact USAA by calling 210-531-USAA (8722). The USAA customer service team is available 24/7 to assist you with any questions or concerns you may have regarding your insurance policy, claims, billing, or other issues.
When you call USAA, you will be prompted to select the appropriate option from a menu of choices. Depending on your needs, you may be directed to a specific department or representative who can assist you with your inquiry.
In addition to phone support, USAA also provides a variety of other customer service channels, including email, online chat, and social media. These options may be more convenient for some customers, depending on their preferences and availability.
Sample of Customer Review
I have been using USAA for my home and auto insurance for a decade now, as well as for my mortgage. What the company may lack in competitive pricing when compared to some other insurance companies, they more than make up for with customer service and the quality of the services that they provide.
I had a car accident. Upon contacting USAA and detailing the accident information it was recorded as having happened in Montgomery, Alabama. The accident occurred in Upper Moreland, Pennsylvania. I am 78 years old and gave detailed addresses as to where the accident occurred which were confirmed by the claims adjuster. I was frustrated at first as there was no one available to speak with at USAA during the weekend. I will absolutely commend the claims adjuster that resolved the situation was knowledgeable and patient.
Got hit by another driver. USAA gave me a reservation for a rental car (small car) so I can get to work. But no rental places around me have small cars just SUV. So USAA basically said, “Tough, you will just have to wait until one is available”. I was dissatisfied with them as they didn’t change my reservation.
USAA is not the same. They used to be elite in their claims department always. Now they seem to outsource it all. Took almost a month to get a simple estimate approved, just don’t know what’s wrong anymore. I liked the USAA before, the service was so much better than.Source: BBB, Google, Consumer Affair
About USAA Membership
Membership in the USA is limited to military members, veterans, and their families. This includes individuals who are currently serving or have served in the U.S. Air Force, Army, Coast Guard, Marines, Navy, National Guard, or Reserves, as well as their spouses, widows, widowers, and former spouses.
To become a member of USAA, individuals must meet certain eligibility requirements and open an account with the organization. Once a member, individuals have access to USAA’s full range of insurance and financial products, as well as its excellent customer service and support.
USAA Claims Handling
USAA’s claims handling is consistently rated as excellent. USAA offers a mobile app that allows customers to file and track claims, and they also offer 24/7 claims support over the phone.
Therfore,USAA strives to process claims as quickly as possible after determining what is owed based on your coverage. However, the time it takes to resolve a claim can vary depending on factors such as the complexity of the claim and the number of vehicles and injuries involved. While simple claims may only take an hour or two to process, more complex claims may take several weeks.
To help expedite the claims process, you can file a claim online at usaa.com or through the USAA Mobile App. It is important to provide as much information as possible when filing your claim, but you can always add additional details later.
USAA Insurance Quotes
USAA offers free insurance quotes through their website or over the phone. Quotes are personalized based on the customer’s specific needs and coverage options.
USAA offers a range of discounts to military members, veterans, and their families. They offer a variety of discounts to help their members save money on their home and car insurance premiums. These discounts are designed to reward good driving habits, safe home ownership, and other factors that contribute to lower insurance risk and costs.
Home insurance discounts offered by USAA include:
- Multiple policy discounts for members who have both home and auto insurance policies with USAA.
- Protective device discounts for members who have installed security systems, smoke detectors, or other safety features in their homes.
- Claims-free discounts for members who have not filed any home insurance claims in the past several years.
- New home discounts for members who have recently purchased a newly built home or a home that has been recently renovated.
Car insurance discounts offered by USAA include:
- Safe driver discounts for members who have maintained a good driving record for a certain period.
- Defensive driving discounts for members who have completed a recognized defensive driving course.
- Good student discounts for members who have high school or college students on their policy who maintain a certain grade point average.
- Military installation discounts for members who live on a military base or installation.
By selecting the appropriate discounts, members can enjoy lower insurance premiums while still maintaining the coverage they need to protect their homes and vehicles.
Conclusion: Final Verdict
Overall, USAA’s commitment to serving military members, veterans, and their families has made it a trusted and respected provider of insurance and financial products for over 100 years. In addition to its commitment to quality and customer service, USAA also offers a variety of discounts and saving opportunities to help members spend less on their insurance premiums.
However, some customers have been experiencing frustration with USAA’s customer service, particularly in regard to long wait times and delayed responses to inquiries. While these issues may be concerning, it’s important to note that USAA is still widely regarded as a trusted and reliable insurance provider, with a track record of meeting the unique needs of military families.
It’s worth noting that though USAA may be a great choice for many military families, it’s always a good idea to research and compare insurance quotes from multiple providers before deciding. By doing so, you can ensure that you’re getting the best possible coverage at a price that fits your budget.
In conclusion, USAA is a reputable and reliable insurance provider with a long history of serving military members, veterans, and their families. However, it’s always important to do your due diligence and research your options before making a decision about your insurance coverage. By taking the time to compare quotes and consider your options, you can ensure that you’re making the best possible choice for your financial security and protection.
Frequently Asked Questions
How long will USAA auto claim take?
The time it takes for a USAA auto claim to be processed and resolved can vary depending on several factors. These may include the complexity of the claim, the severity of the damage, and the number of parties involved.
Is USAA good at paying claims?
Yes, USAA is known for being good at paying claims. In the J.D. Power 2022 U.S. Auto Claims Satisfaction Stud, USAA ranked fourth in customer satisfaction for claims with a score of 890 out of 1,000 points. USAA also received a 4.1-star rating for satisfaction with the claim outcome or settlement, according to a survey.
What is so good about USAA?
USAA is well regarded for its full-service banking, offering innovative premium services as standard for all accounts. They offer free checking and savings accounts with no minimum balance fees, free checks, rewards debit cards, overdraft protection, web bill pay, and more.
- USAA Insurance: Everything You Need to Know
- Pros and Cons
- USAA Insurance Products
- Other Insurance Coverage
- USAA Insurance Ratings and Reviews
- USAA Customer Service
- Sample of Customer Review
- About USAA Membership
- USAA Claims Handling
- USAA Insurance Quotes
- USAA Discounts
- Conclusion: Final Verdict
- Frequently Asked Questions
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