Highest Rated Review by the Community
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Rated a Very Helpful Review by the Epinions community Sep 11, 2000
Pros: Inexpensive, quality service
Cons: hard to get if your record isn't great
Summary: 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 ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Jun 3, 2012
Pros: Initially, had lower rates.
Discounts available for multiple polices.
Website easy to navigate.
Cons: Premiums on a steady uphill climb.
Discount for using USAA credit union no longer applicable.
Summary: We have had USAA for a few years now. I was very happy with our coverage and premiums, but for the past 18 months, our premiums have risen with every policy renewal. It was just a few bucks with the first two increases, but with our latest ... read more
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Not Yet Rated by the Epinions community
May 21, 2012
Pros: Reputation, quality of services offered, knowledge of representatives, company history
Cons: It is often the little things that are most noticed by Customers!
Summary: The wife's 'toy' (Mitsu Spyder) got 50+ dings when caught out in a Texas hail storm recently. A 2008, 22k miles, and maintained in pristine condition at all times. I saw no reason to photo entire car (my mistake) when I contacted USAA to open claim, as I ... read more
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Not Yet Rated by the Epinions community
Nov 30, 2011
Pros: Absolutely none!
Cons: Too many to list!
Summary: I was a passenger in a motor vehicle accident where the driver of the vehicle had USAA insurance. Ever since this happened USAA has done nothing but treat myself, a blameless victim in the whole mess, like dirt. The first thing they ... read more
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Not Yet Rated by the Epinions community
May 5, 2011
Pros: Accessability is a key factor in making USAA easy to use.
Cons: You have to drive to Texas to thank the people.
Summary: USAA Auto has covered my family since 1985. Over that time we have had several claims for accidents and vandalism. My siblings have similar families, who have all had similar needs for insurance. Comparing my experience to theirs shows ... read more
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Rated a Very Helpful Review by the Epinions community
Apr 28, 2011
Pros: Great customer service, awesome website, excellent rates.
Cons: No comprehensive coverage for motorcycles.
Summary: I have had a great deal of interaction with USAA. I utilize their financial products, home owner's insurance and auto insurance. The combination of policies allows me to organize a number of financial accounts in one location. USAA has ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Feb 16, 2010
Pros: Great insurance at an affordable price.
Cons: Problematic insurance web bill pay interface - and even worse customer service.
Summary: The eldest child of a career military officer, I grew up with USAA: my parents have been members for over fifty years, and I joined more than twenty years ago. USAA's primary products - insurance and banking services - have always been extremely ... read more
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Not Yet Rated by the Epinions community
Dec 17, 2009
Pros: Great Customer Service
Fast Response
Variety of Products (home, auto, life, financial planning, banking)
Cons: -Only for veterans/military (they have relaxed who they will accept over the years though)
Summary: Without a doubt, the best insurance company. I could say that I have never had any issues with their customer service. They are always willing to answer questions. If I had a claim, they were always real responsive. They have a ... read more
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Not Yet Rated by the Epinions community
Aug 24, 2009
Pros: Restricted Membership.
Cons: Customer Loyalty. Very high premiums for some members.
Summary: 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 ... read more
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Not Yet Rated by the Epinions community
May 28, 2009
Pros: inexpensive, extremely helpful reps, great service
Cons: no local offices
Summary: 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. ... read more
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Rated a Helpful Review by the Epinions community
Jan 18, 2009
Pros: Helpful and Courteous
Cons: Rarely unhelpful
Summary: 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 ... read more
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Not Yet Rated by the Epinions community
Jan 10, 2009
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.
Summary: 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 ... read more
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Not Yet Rated by the Epinions community
Jan 7, 2009
Pros: Excellent claims service
Price
Ability to serve all my financial needs
Cons: not everyone is eligible
Summary: 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. ... read more
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Rated a Helpful Review by the Epinions community
Dec 1, 2008
Pros: Professional, quick, courteous.
Cons: The only gripe I can have is that USAA didn't hand deliver my settlement check.
Summary: 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 ... read more
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Not Yet Rated by the Epinions community
Nov 23, 2008
Pros: inexpensive. policy service is very professional
Cons: unpleasant claims experience
Summary: 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, ... read more
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Rated a Very Helpful Review by the Epinions community
Oct 2, 2008
Pros: Quick response, friendly people, fair treatment
Cons: lack of local agent -- weak negative but I have to type something
Summary: 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 ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Sep 27, 2008
Pros: Easy to maintain your policy.
Cons: Terrible with working through a claim.
Summary: 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 ... read more
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Rated a Very Helpful Review by the Epinions community
Apr 17, 2008
Pros: One stop shopping is the only pro...
Cons: Just try to submit a claim and see how their company really is.
Summary: 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 ... read more
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Rated a Helpful Review by the Epinions community
Mar 30, 2008
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
Summary: 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 ... read more
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Rated a Somewhat Helpful Review by the Epinions community
Feb 27, 2008
Pros: Good website
Cons: Wouldn't even discuss motorcycle coverage
Summary: 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 ... read more
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Rated a Helpful Review by the Epinions community
Jul 17, 2007
Pros: They faithfully bill you every month
Cons: Too many to list!!!
Summary: 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 ... read more
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