3.9
U.S News RatingsOur ranking of the top auto insurance providers places USAA at the top. It distinguishes itself in a few ways, such as customer reviews highlighting its effectiveness in managing claims and providing excellent customer service, the quantity of discounts it offers, and its ranking as one of the best insurance providers for senior drivers. Furthermore, USAA offers the lowest average annual rate overall and, in several driver categories, far lower than the national average.
What Does USAA Auto Insurance Cost?
Among this group of insurers, USAA had the lowest average annual sample premium ($1,335) of any firm we looked at, around 35% less than the national average. Additionally, USAA offers policyholders with good, fair, or poor credit, as well as drivers with a single accident or DUI conviction, sample rates that are lower than average. Compared to the national average, there can be annual savings of thousands of dollars in some driver categories that we looked into, such as young drivers, who are often the most expensive age group to insure.
USAA SafePilot Initiative
The optional SafePilot Program from USAA records your driving time and gives you awards for adopting safe driving practices. Download the SafePilot app to your smartphone and join in the program to enjoy a discount of up to 30% (10% just for signing up). After that, just keep driving as usual. The app will log information on your driving habits, including how frequently you use your phone and whether you've ever been in an accident. Your driving score is calculated by USAA using this data, and it is reset at each renewal period.
California, New Jersey, or Delaware do not provide the SafePilot program.
Discounts on USAA Auto Insurance
Potential discounts are provided by USAA to policyholders to help them save money on auto insurance. Among them are:
- Discount for safe drivers
- A good student discount
- Save money by bundling (multi-policy discount)
- Military off-base savings
- Discount on a basic driving education course
- Discount for a clean driving record
- Discount on anti-theft gadgets
- Discount on defensive driving education
- SafePilot coupon
- Discount on newer cars
- Discount for devoted members
- Implementation/storage rebate
- Reduced driving discount
- Multiple vehicle savings
- MyUSAA Legacy savings
Additional USAA Insurance
Apart from auto insurance, USAA offers various additional kinds of insurance coverage, such as:
- Homeowners
- Personal property
- Long-term care
- Life
- Health
- Small business
- Motorcycle
- Classic car
- Travel
- Professional liability
- Flood
- Dental
- Vision
- RV/Motorhome
- Bicycle and e-bike
- ATV and UTV
- Farm and ranch
- Pet
- Boat
- Umbrella
- Renters
- Condo
- Personal and commercial aviation
How Can I Purchase Homeowners Insurance with USAA?
You must be a member of USAA and have set up an online account in order to get USAA homeowners insurance. After enrolling, you can use its range of services and obtain insurance quotations. Calculate how much coverage you would need before you begin the home insurance process by estimating the cost of rebuilding your home and replacing all of your belongings.
To purchase USAA homeowners insurance, take these actions:
1. Utilize
You can apply over the phone or on the USAA website for membership. You will be required to submit information regarding your military service or that of a family member. It costs nothing to join.2. Sign up online
Visit their website to sign up for digital access to your USAA membership account.3. Ask for an estimate.
Get a homes insurance estimate over the phone, online, or at one of the numerous in-person locations.4. Consult an agent
Provide the agent with information regarding the age and kind of construction of your home, as well as your insurance history, including past claims, previous insurance company, length of coverage, and dates of policy renewals.FAQ:
According to USAA, water damage resulting from "sudden and accidental" events will generally be covered. However, coverage varies based on a number of variables and specific regulations. For details, get in touch with USAA directly. Only flood insurance covers damage caused by floodwaters. The National Flood Insurance Program offers flood insurance, which is an optional policy (NFIP).
A USAA membership is necessary to qualify for USAA homeowners insurance, and membership is available to:
- Those who are currently active members of the National Guard, Reserves, Marines, Army, Air Force, or Coast Guard.
- those who left the American military with an honorable discharge or retirement.
- members of USAA who joined the company prior to or during their marriage, including widows, widowers, and single ex spouses.
- Offspring of members' parents.
- Those enrolled in advanced ROTC programs or on ROTC scholarships, midshipmen and cadets at connected academy preparatory schools or U.S. military academies, and officer candidates within 24 months of commissioning.
Medical and liability coverage for visitors' injuries is a standard feature of homeowners insurance policies. Elevated levels are voluntary, though they might be wise to have if you live near a trampoline, pool, or other potentially risky areas.
Mold testing, treatment, and removal are covered in part by conventional homes insurance policies from USAA. In certain places, there might be more coverage available.
A typical USAA homeowners insurance coverage includes fire protection.
The cause of a roof leak frequently determines whether it is covered by a homeowners policy. For instance, a roof leak brought on by poor maintenance is frequently not covered, but leaks brought on by storm damage are typically covered.
Leak-related damage to the roof might be covered. Your policy and state laws would determine this.
Insect damage is not covered by USAA's regular coverage.
Usually, a homeowners insurance policy does not cover termite damage. Contact USAA to discuss your particular needs.
A regular homeowners insurance policy from USAA offers home replacement cost coverage, which means it will cover the cost of replacing or repairing your house and belongings at their current worth without depreciation. For more information, speak with a USAA representative as restrictions may apply.
A regular policy comes with theft insurance up to the policy's limitations. Valuables could need further protection.
Uniform loss, damage, or destruction for active duty and deployed personnel is covered by a normal homeowners insurance policy with USAA.
The extent of coverage for tree damage varies based on the cause. A normal USAA policy will usually cover damage from trees that are toppled by wind.
To get in touch with USAA homeowners insurance, dial #USAA (#8722) or (800) 531-8722. Additionally, you can contact them via their mobile app or website.
Call (800) 531-8722 to cancel your USAA coverage. You can cancel your additional primary property coverage with USAA online through your account if you have one.
Although USAA advises members to contact the company with any issues, some dog attacks might be covered.
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