None

Remote! No local (on-site) person responsible for policy service.

I have have had house and vehicle insurance through USAA for over 40 years. In July 2001 I filed my first (and only) homeowners claim, that for storm damage to my house. Almost three months later USAA has not paid a cent and I am doing repairs myself. USAA appears to be a company resting on its past reputation. I no longer recommend USAA.

Similar Products Used:

None

Price, dividend check; pleasant, if somewhat inexperienced phone reps

Lack of aggressive follow-through on clear not-at-fault damages; phone reps inexperienced/language-challenged.

While the rates are low, and the Customer Service reps are generally friendly & sympathetic, I find USAA less than aggressive in pursuing claims for not-at-fault accidents.
I was sideswiped and almost driven through the median divider by a limousine driver who ADMITTED FAULT at the scene. No parkway police came along, and I had no cell at the time so I took every bit of information recommended on the company form.
Subsequently, his company called and made a sleazy effort to get me to drop my claim & let them repair my car. I reported all this to USAA. When they investigated, they reportedly could get no response from the other driver, and never made a serious effort to recoup my deductible from the limo company's insurance company. While $500 may have seemed a "small" amount to them, it was not to me.
I had the car repaired and repainted at one of their "Star" repair facilities. Bad move. Nice people, but the repaint has not held up well, the car emblem fell off, and the bumper (underneath the peeling paint spot) appears to be a salvage from another car, or an aftermarket piece.

Similar Products Used:

Allstate, GEICO. Better pricing. Customer service about the same as GEICO. Limited to US military and dependents.

Easy to reach customer service, affordable rates and prompt processing on only claim.

Tough to find one.

I've been with USAA since Feb. 1978 and have always felt secure with their service, their committment to their customers and their integrity. In these 23 years I've been involved in only one accident. USAA handled it in a prompt matter. When I tired of the Geico ads challenging a comparison, I called Geico. As soon as the man heard that I was with USAA, he said it would be hard to top their rates. Next, he asked how long I'd been with USAA. When I replied more than 22 years, he told me that Geico and most other major carriers just couldn't compete. I feel so confident that when the banks in Utah started merging and swallowing each other up, I opened my accounts At USAA Savings Bank. I'm also very happy with their service.

Similar Products Used:

Geico as a young soldier in 1975-78. Rates and treatment by representatives weren't as good as USAA.

usaa.com and 800# make doing business efficient and easy. Rates are better than average and you receive rebate checks each year.

None.

There is NO financial services/insurance company better! After having Snake Farm and Progressive, it was a relief to get with USAA. My grandfather was a Colonel in the AF so I was eligible as a dependent of a member (my mom joined by being a dependent of an officer). Once I graduated from college, USAA's standards were too high to accept me so they referred me to Progressive. The rates were way too high due to my poor driving record. I made sure that my record cleared within 3 years and was able to return to USAA. Now, 8 years later, I have my homeowners, auto, banking, and brokerage services with them. The brokerage service is a little high, but I trust them more than any other financial institution. They have been there for me without increasing my rates (I have not had an at-fault accident).

Any complaints you read on this board are likely due to state legislation which is out of USAA's control.

Similar Products Used:

State Farm, Farmers and Progressive.

The response when needed has been exceptional. Great car insurance at a fair market price.

My family had a string of bad luck, and 2 small, 1 big accident. No major damage to other property. No injuries. No car totaled. They raised me rates by over 200%, and said it would be for 3 years. It eaqualled a $16,092 INCREASE over 3 years. That is not loyalty for a customer of over 25 years!

5 vehicles in 3 states for a cost of $4,546 every 6 months! Nope! I couldn't recommend it to anyone. The service was good for the 25 years, but now that I needed them, they want to recoup the monies they had to spend on my coverage.

NO I do not recommend them!

Similar Products Used:

I'm sure I can find acceptable insurance. They will have accomplished their goal of running me off, since I used some of the invested money I'd paid to them over 25 years.

good coverage at reasonable price
dividend check!
customer service is first rate!

they should have a web page where I can compare insurance quotes for different vehicles.

Highly recommend it.
My father-in-law has been with them since early 60's.
My wife had it since high school.
My best man got in through his father.

It's like a exclusive privlige for serving in the armed forces.

It's crazy to pass up this offer, who ever heard of auto insurance company giving back money? The 10% I got was like a rebate!

Similar Products Used:

Mercury, cost a bit more than USAA for simular coverage.

NONE!

LIES LIES LIES

I repaired a 95 Saturn for a Customer,...the Job was completed 5/13/2001....The Car was repaired using the USAA adjustors Estimate as a guide,..A supplemental estimate was OK'd by the adjustor,..and payment promised,....that was 33 days ago,..my shop has been lied to over and over by these people,..when you call a representative ,all you get is an answering machine,...In my 33 years of being in this business,I've NEVER seen a Company so underhanded. I would suggest to anyone having this Insurance Co.,as a carrier to drop them and seek Coverage elsewhere.A NEW policy has been put in effect at my shop concerning USAA claimnants,...NOTHING will be released untill payment in full.

Similar Products Used:

No comparrison,...ALL OTHER INSURANCE Companies are superior!

None

Waiting on hold when calling one of the 800 numbers which they keep changing. When you have a problem they refer to everyone in the building so you get frustrated and drop it!

USAA leaves a lot to be desired. Their supervisors are insensitive. When you do complain about a person you get the USAA standard answer, "I've known them for years and they are a fine, outstanding person who would never act in that manor."

When USAA raises your rates for minor accidents they claim it is because of the state filing. If USAA has such leadership why can't they raise the minimum dollor amount before they raise your rates. Its quite simple, Booby Heres might loose money out of his pocket. In reality USAA is just another insurance company screwing people whenever and wherever they can!!

Similar Products Used:

USAA is just another insurance company. Their customers think it is great to pay more after minor accidents.

Efficient customer service response, knowledgable service staff, great rates and products. Dividend check.

Not a single thing.

If you qualify, get and stay covered by USAA. Their products are top notch, their prices are wonderful, service has always been a very positive experience, and they do honor their longtime customers.

Similar Products Used:

Allstate. I find it funny when I get phone calls from other insurance companies asking me to consider their products. I tell them that I'm with USAA already and they usually just give up on the spot.

Lowest rates period. Great service. My car got broken into with the driver's side window smashed. They set up an appointment to a nearby window shop the same day to get it replaced. Very fast and punctual.

military only

I am 27 yrs old and have a perfect driving record with a 1990 CRX si with a $500 deductible full comprehensive coverage policy and it cost me $840 / yr. Highly recommend if eligible

Similar Products Used:

20th century