Ive Had USAA since I was 15 years old. I have them fore banking and car insurance. There customer service is amazing as well as handing my claims etc. AMAZING!

24 hour service.
awesome representatives
quick service
easy service
fast response time
fair claims payments

military only

I have been with usa for 5 years. I have files several claims under both my auto and renters policies. I have gotten my check deposited directly into my bank account within 2 days of filing the claim and giving them the appropriate information.

For all of you people that have written a bad review, at least half of you are foolish and the other half does not know what they are talking about. If you were half as informed about what insurance is, then you would understand what happens.

If you were to look at each state commissioner website you would find that the actual percentage of complaints that usaa recieves are a 10th of a percentage compaired to all other companies.

If you want to go to statefarm... please do. Looking at their financial statements they are close to insolvent and are a few "more" class action lawsuits away from being gone. there have been atlease 2 a year by the way.

The same can be said for allstate and progressive. Check the real insurance litigation information. Not this whining banter of people who think they should get 1000's of dollars for their POS rice burner. Wake up!!!

As for the money that is sent out... it is in the billions every year. average check back is 120 per member. for most people that is a month of premium.

For those who are foolish enough to complain about higher insurance becasue of an accident... COME ON!!! are you that dense. You hit someone or have bad driving habits like speeding... that is proof that you are a higher risk. OF COURSE YOU ARE GOING TO GET CHARGED MORE!!!! DUH!!! Bad driving... higher premiums.

The few hundred dollars you pay over the next 3 years does not even come close to the 1000's the company paid out becasue you were to dumb to pay attention. WAKE UP!!! and no... they are not recouping their losses. You cause 25000 in damage and even if you paid 500 a year more for the next 3 years, that is the time limit, you come out ahead.

GROW UP.
USAA was rated highest in customer service for 2 years for a reason. They have high financial strength for a reason. THEY ARE A BUSINESS AND THEY ARE GOOD AT IT! if you do not like your relationship with USAA think about this... in 100% of your bad relationships the only constant was you! Maybe it is you who needs changing.

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statefarm
geico and progressive

Used to be customer friendly, not sure any more

Growth is lowering their customer service quality - noticeably in decline

USAA service is definitely in decline. They have recently gone after junior enlisted soldiers for policy coverage and apparently have not increased their customer service staff. Also, they installed a telephone call tree that usually leaves you a voice mail box. You may or may not get an answer. After being with them 30 years I am seriously considering switching - if the customer service is bad, it doesn't matter how good the premium is.

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 received excellent service. I would not have dreamed of switching companies, despite my wife's best efforts to obtain better rates.

I, probably like most military members, am very loyal and was willing to pay a little more for a company that will provide a high level of service and understands my needs. I did not even bother to shop around in this area.

Then I got in an accident. I contacted a customer service rep to discuss an issue and he said he would look into it and call me back. Two days later and no phone call, I called him twice, and left a voicemail. Still nothing. Two days later I left another voicemail and STILL haven't received a response from Michael. The proactive service of 10 years ago is apparently long gone. I was very disappointed - they are just another insurance company!

I daresay that a lot of their high ratings comes from older members who have been with them for 20, 30, 40 and even 50 years who have not had a claim with them in recent years - since USAA has made changes.

I won't say they are a horrible company; but it's not the same company it was 10 or 20 years ago. I know I won't get much better service elsewhere, but I can get the same service for a much lower cost. Read some of the other reviews on the internet. And once this claim is settled I will certainly be shopping around. And hey, if I cancel all my policies, I'll get a nice check from my SSA in six months!

8735168

Nothing comes to mind.

Lack of responsibility

I was rear-ended by a policy holder of this company, and upon trying to file a claim, was told just to have my insurance handle it as they were not going to stand by their client of 11 years. The adjuster who was assigned to my claim left me a number to call, then basically disappeared. After six unreturned calls, I started over, and was told by the next agent that I was out of luck and should just use my own insurance to fix my car as they would not own up to their claim.

The guy who hit me is a reasonable man. He is separated from his wife, and although as a couple their insurance was active, his wife successfully had him removed from the policy. The interesting thing about that is, when he went to buy a new policy with USAA, they told him he could not get one as he was already insured through mid-February.

In my experience and opinion, this is obviously another in the increasingly long list of insurance companies out there looking to collect from clients but finding loopholes to avoid paying when something goes awry. Do yourself a favor and insure yourself elsewhere.

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State Farm

I have been a good insured driver with USAA for many years who was hit by an "at fault" USAA driver, all I can say for now is...get a lawyer, get a lawyer, get a lawyer. When I'm allowed to say more, believe me I will.

I am the party with the claim. Their insured had an accident with my daughter in the car and this was in September. It is now the middle of January and no one will return calls or make contact. Terrible Customer service.

POOR customer service, failure to follow up/return calls

Speaking as someone filing a claim against a USAA insured driver, their service is TERRIBLE. My wife was struck from the rear while sitting at a traffic signal. She was not charged, the accident report indicates that the fault is the USAA insured driver. The accident happened over 6 weeks ago, and we have NEVER been contacted by USAA after filing the claim. When the claim was filed the agent indicated that they needed to speak with their driver before proceeding. We contacted USAA twice and left several voice mail messages-they have NEVER called us or returned a call. A month after the accident they stated that they were unable to contact their insured party, and thus were unable to process the claim. Accrding to them they had not requested a copy of the police report, although they were given the report number when the claim was filed. I called again this morning, got voice mail and have not yet received a return call. As a LTC in the USAR, I receive numerous contacts from USAA offering quotes and asking me to consider their service. I have considered using them and actually got a quote, but they were unable to match my current insurance coverage/rates. I had considered contacting them for quotes on my multiple motorcycles. However, if this is indicative of their business practices and customer service, I will stay as far away from them as possible.

Price, customer service, efficancy, and quality.

none so far

I have had USAA for 7 years now and LOVE it. Everyone in the family has it and has had nothing but great experiances. We were in an accident for the first time ever and they were a great help. We were aloud to go to any repair shop we wanted to without getting a quote regardless of their costs and when we had problems with the repair shop they, USAA, helped us deal with them and get things done in a timely manner. Our rates decrease just about every 6 months and after the accident that was a no fault accident but we were put down as at fault withthe insurance companies as has to be done our rates have not increased!

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state farm bad experiance, wont give you your money.

Pricing....BUT YOU GET WHAT YOU PAY FOR.

Claims folks are incompetent...No local agents...

I am reviewing USAA insurance.

I was involved in an accident where this guy was driving in the center turn lane for more than a mile. I pulled out onto an empty street. As, I was entering the street, I heard squeeling tires. I looked to my left to see a car spped through ta stop sign and race down the center lane of the street. I could neither go backwards or forwards, due to being caught in the middle and not knowing which way the oncoming car would go. The guy hit me without touching his breaks.

He apologized for not seeing me.

When the Clarksville TN police showed up, he said I pulled out in front of him.

I had two people in the car that heard him say it was his fault, but I could not use them as witnesses becuase they were on 14 yeas old.

I was not issued a ticket, but because the officer drew the picture of what the crackhead, redneck, old man said, there was not fault to either party.

My complaint is that USAA charged me with an AT-FAULT accident becuase there was not enough fault to blame either party.

If I was not AT-FAULT then why was I charged AT-FAULT? Now I have a chargeable accident on my record and am paying a surcharge.

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ALLSTATE and they ROCK!