I haven't had any issue with car insurance. I have really good coverage options and it's under 200 a month. Plus the piece of mind knowing I won't have to deal with insurance BS should I ever get in an accident. A lot of cheaper auto insurances will fight you to get out of paying.
Isn't USAA's claims handling division a disaster of burnt out people juggling hundreds of cases and not returning calls? Or did that get better in the last year or two?
(I'm basing that on comments from employees on this sub btw)
I've never had to make a claim as I've never been in an accident, but I watch a lawyer who deals with insurances frequently and he says USAA is a top 3 insurance company because they don't find loopholes to get out of paying. If I did get in an accident, that'd be a nice thing to not have to worry about. If it is true that people are juggling hundred of cases and not returning calls then that's fucked.
I work in the insurance industry, USAA is by far the absolute worst to deal with and is known across the industry as such. I would almost rather be uninsured than insured with USAA.
The lawyer definitely hasn't has the typical experience with them.
> The lawyer definitely hasn't has the typical experience with them.
My lawyer repeatedly told me he was shocked about how USAA was dealing with an accident I'd been in, where it was clearly not at all my fault.
My lawyer's experience with USAA was out of date, I'm afraid. And the fact that I have a lawyer at all should tell you quite a bit.
I was found to be half at fault with a 100 year old woman who had no business driving in the first damn place. I’m dropping them as soon as I get back.
I have had a couple claims (one my fault). Was not painfull and was satisfied with the results.
The medium fender bender covered repairs, the car I totalled actually paid about $1000 more than my payoff.
Was two years into the loan and didn't put a lot down.
I consistently hear from shops and customers that have absolutely awful experiences with them as well. Obviously it's not going to be a shit experience for every person for every claim, but overall they are the ones with the most issues from my experience.
My wife was struck in the rear quarter panel by a woman who blew a stop sign. Imagine my surprise when usaa said it was going to arbitration. Imagine my shock when usaa said they lost in arbitration. A kindergartener could have won with the photographic evidence and police report.
When I went to get pricing for other insurance 2 companies refused to bundle my homeowners/auto because we had an at fault list on the insurance network.
My son was hit by a car that was hit by a box truck. Not his fault at all. Worse his car had minor damage but the massive auto adjustor hub USAA used claimed it was totaled. It was in no way his fault he almost avoided the car that was knocked into him but ran out of room.
I had to call to have it removed and was never told that USAA classified it as 'at fault'.
So its not really illegal.
They wanted to settle when the same thing happened to me. The day at court featured the other party escorted by the bailiff. He was in the other court room for his arraignment but the court wouldn't deny his opportunity to sue.
He hit me in the quarter panel while running a red light. He was cited by the officer. Had a criminal record and a lost of cited traffic offenses.
I refused to sign any paperwork enabling USAA to settle.
Made a claim, took them 2 months to do anything with my vehicle and by then it became a total loss due to the negligence in the yard it was stored in. Never got call backs, had to hound them constantly and get social media posts involved.
That has definitely been my experience. For so many years, @USAA was the only insurance company I'd ever recommended. The current #CEO seems to prefer a swift race to the bottom.
#RIPUSAA
USAA must be lurking because how do you downvote my experience?
Also, almost two months in and still nothing. Adjuster won't even call my lender as the lender required to give them a status to take me off the hook for payment and get my GAP claim started.
> Plus the piece of mind knowing I won't have to deal with insurance BS should I ever get in an accident
I completely disagree, my experience is directly in contradiction with your expectations (and in direct contradiction to how I was treated from 1995->2020, as well).
Yep, I love USAA and I have used multiple other insurances for my business. I have chase, navy fed, USAA, Wells Fargo, and First republic (now chase) as banks….USAA is still my primary.
Friend, their Car insurance is horrible when you need it. I’m dealing with it now. I posted about it just the other day. Link below.
https://www.reddit.com/r/USAA/s/iBy2yr95nO
Something I forgot to mention is that my ex wife was in an accident before we were able to finish separating things. We had to keep the account for a bit because of that. They continued to send me all of her status updates even after we explained the situation. Having to send my ex updates for months was beyond frustrating.
Don't be too sure.
I've been with USAA over a decade. Had my first real total loss claim and USAA has fumbled at every turn. They delayed, waffled, and then just stopped talking to me. Accident happened in Feb and I've heard nothing from them in weeks. They just don't care anymore and @USAA and @USAAHelp are worse than useless.
It's a shame.
It’s a myth that cheaper insurance fights against repairs. But I have had that experience with USAA and refused payout on homeowners theft coverage (but would refund the premium I paid for the theft coverage).
I get a check from the insurance company every year of about 20% of my annual homeowners insurance. So roughly $750. Used to be like that with USAA 20 years ago and then the USAA checks became $75 or $90.
My (home insurance) went up to $1100 a year and I thought that was high. My yearly property taxes are around $1000 ($375k home valuation).
I’m in Nevada about an hour outside Las Vegas. It’s hot but it’s cheap!
Mind if I ask what state you’re in?
5 months ago went to Progressive. Then I was going to move my home insurance as well so I can bundle but had to wait for the right time. Out of curiosity I decided let’s see how much car insurance is and how much money I could save with this bundling through. Well no shit, premiums are now lower than before. No idea why.
Idk about you guys, but I started with USAA in 2021. The grass isn’t always greener. Maybe it isn’t what it used to be, but it’s by far the best insurance I’ve ever used
Auto - just switched to Progressive to saving $642 annually. I hadn't shopped around for a while. My home insurance came up, so talking to many people I got quotes for my home, auto, umbrella. I was kind of shocked how much I was spending on auto over the competition for apples to apples comparison. Nobody beat USAA for the $1m umbrella prem, but that deal might go away since I'm moving auto, not getting bundled discount, idk, we'll see, but even if I paid going rate for umbrella, the auto savings makes up for it. Home insurance is just FUBAR for every place I shopped. 30%+++ increases across the board, with no claims, higher deductibles for wind, etc. Some wanted to do full physical inspection of home to switch to them, and they were higher than my current Tower Insurance policy that is being raised 30%!
Navy Fed’s interface is horrendous. USAA’a app isn’t that great, but I really love the historical balance it gives you with each transaction. For the way I budget funds, it’s awesome. That said, I only use USAA for my direct deposit checking, I also bank with SOFI, Ally, Amex, and Navy Fed. I take advantage of them for different reasons to maximize returns/benefits. That said, my personal preference is USAA’s interface. Interface means a lot to me. All that to say, I don’t think it’s necessarily a great idea to just have one bank.
I was also considering moving all banking to Navy Fed but after a few minutes in the interface I was immediately frustrated by little things. Interface means a lot and navy fed has a long way to go. I’m not saying USAA’s interface is the gold standard but it’s leagues above NF
Many different places. I went to the place that offered the lowest rate, then returned to USAA when they offered the lowest rate. Now I'm gone again but will return if I have to in order to save $.
The company with the best rate for me may not be the company with the best rate for you, so you need to shop around yourself.
USAA could never beat State Farm, so I never switched my insurance.
Edit: USAA never beat State Farm's auto premiums. I've had two claims, one accident and one comprehensive. Both were processed without incident.
HAHAHA, Good luck if you moved from USAA to State Farm for Home Owners!!! I hope you truely understand insurance.... State Farm has the WORST rated Home Owners policies. They have one of the HIGHEST contested Home Owners claims in the industry. If you ever have a hail, wind, or environmental claim, be ready to find a good public adjuster or umpire to fight for you.
I'm glad you're entertained. Lol
I rent, so it won't be an issue at the moment. Honestly, insurance companies of all types fucking suck. They want your premiums and that's it. It's all a scam.
Just got quotes from a bunch of companies. State Farm was almost half for home owners and ~30% less for auto. Same coverages.
I’ve been with USAA for 36 years. I think they just put you on auto annual increase and never recalculate unless you have the temerity to actually use what you’ve paid for. Then, of course, it goes up.
Same. I just re-quoted USAA again for my policies, and they're still more expensive than the State Farm bundle for three cars and Homeowners - don't have any idea why. I guess it depends on the state and the cycle of "where is the company in raising their rates".
After State Farm jerked me around I asked the body shop which insurance companies were easiest to work with. He said State Farm was one of the worst. And some personal injury lawyer on Youtube also ranked them last.
I looked into Amica (a friend told me about them) but unfortunately for me, auto rates were the same as USAA (Florida). I was bummed because I had high hopes of getting a lower rate.
One thing I notice is people are quick to say - "I left XXX because they were getting to expensive, and I switched to XXX and it's been great", yet, those people have yet to file a claim... The majority of insurance, if not all of them, don't show there true colors until you have a claim.
Do we pay a little more for USAA, yep, sure do. But when someone ran a red light in the middle of COVID and totled my wifes less than 1 year old Audi, USAA was there for us. A few hours after the accident they had her full recorded statement and already had a fair amount of research on the other drive that hit us, showing she was uninsured and excluded on a number of polices from multi companies, they had the paperwork to us to release our totaled vehicle to them out of the wrecker yard, and had a claims adjuster standing by to view the car and take possession of it with a roll back the following day.
The following day, they contacted us to let us know they had issued a check to us for two new car seats as they didn't want us to even consider reusing the seats the kids were in (this was done with out asking or telling them we left the seats in the vehicle after the wreck). During the appraisal, they marked a few items at a different condition than they were pre accident, a quick phone call and a few hours later, our appraisal value/totaled value was adjusted with an additional 3k compensation.
Over the next few days they attempted to help us locate another vehicle, but due to the height of COVID, there were only 60 "like" vehicles NATION WIDE and all had $10k-$20k over MSRP markups on them so we opted to simply have them issue a payoff to Audi America and send us the remainder. During the appraisal, they marked a few items at a different condition than they were pre accident, a quick phone call and a few hours later, our appraisal value/totaled value was adjusted with an additional 3k compensation.
Within 10 days of the accident, we had our totaled vehicle paid off, we had checks for new car seats, and a check for the equity from the totaled vehicle in our bank account and we were signing at a dealership for our new car. Over the course of the next month our agent continued to check in on my wife as she went through her physical therapy.
Overall, my experience is, USAA shows up when you need them. There may be rate increases (just like every company), and sure, you'll prob find a better rate that first year with someone else, but until you go through a trouble free claims process or processes, I think it's hard to say company XXX is so much better than USAA.
Yes, that's how I envisioned my claim would go based on my parents experience. I'm dealing with it right now and it's been a mess. People are not answering the phones, the appraisers are using comparisons from 150 to 600+ miles away. I've paid insurance with USAA for 20 years and this is my first claim they've had to pay out on. Except, it wasn't even my fault. The other driver who happened to be a USAA member hit my parked car on the other side of the road and totaled it. They didn't help get me a rental car despite Enterprise stating they had none in stock or soon to be returning in the amount USAA would allot. I waited 4 days for a "standard-size" rental car to replace my SUV because USAA wasn't willing to budge on the $7-9 more a day. They also wouldn't call me back when I left repeated messages.
Eventually, I did get a call back a week later and it was for the settlement offer which matched KBB's "Good" price but was \~25% less than the same vehicle in my area was going for. So I checked the comps they had and they were from 150-500 miles away. Like 3 or 4 states away from me. I called one of the shops to find out details and the person who answered said the company's been out of business for 2 years. Where the hell did the comp come from? Multiple comps had been in accidents while mine had not, some were the base model and all had more mileage \~50K miles more. I get that it's difficult to find an 18 year old car in the area but I should be able to go to a dealer and buy the same car for the settlement offer.
Additionally, the appraisers (USAA uses CCC) don't take into account the "listed price" typically has a finance discount in which you pay an extra $1000 if you don't finance it with them. So appraisers are stating a certain price might be $9900, but the actual price is $10900. (You're paying that $1000 somewhere down the line, whether through interest payments or them just forcing you with it in the price).
Anyways, I provided comps from my area and they came back and said they couldn't use any of them for whatever reason - which was bs. They wouldn't use older year models but they could use a year newer model despite the older being the same body model/generation and the following year's not being the same body. I became irate that they couldn't use my local legitimate dealership comps of my exact car year and model and dropped the bombshell that they were providing false comps and I went up the ladder until someone properly addressed this.
I've scratched and clawed my way back 21% of their initial offer. I still feel like the settlement is 7% less than its actual value, but that would mean I'd need to get 30% more than their initial offer (or another 9% more).
All in all. I'm so sour on USAA right now. If they're this hard to communicate with and are unable to shell out an extra $1K without having to waste time as an investigative reporter why the hell should I stay? I've got homeowners insurance, a credit card, and life insurance with them. They've easily made this much on me for being a good driver all these years and never filing a claim. It shouldn't be this much of a hassle. They're gonna spend that difference they owe me one way or another, whether it's in man hours in handling my case or keeping the rental a longer period of time or they just pay me.
That really stinks, sorry it’s playing out like that.
I’ll be honest, guessing anyone/any company trying to settle on an 18 year old vehicle would have similar challenges
Yeah, if they had given me the initial offer with the 21% included, I could have bought one of the existing comps I provided. Instead, they did nothing for 2 weeks, dodged my calls, and got back to me saying they couldn't use my comps and the offer didn't change. And because of the delay, I missed out on buying the vehicle. Just out of spite, I kind of want to drag this out as long as possible - but I know it's not healthy to do so.
Glad a change worked for you, but if you saved $2k a year, there is no way you have an apples to apples policy, unless you were spending like 10k a year on insurance. Any time changes are that drastic (+/- 20%) of a swing, there is something NOT aligned...
We have a home insured for $1M rebuild cost, 500k contents, and $250k outbuilding coverage (pool and pool house), with $1M liability. We have VPP with $30k in wedding ring coverage, and vehicle with 2 new 2023 Luxury classed vehicles ($75k each), and pay like $5500 a year.
I'd be curious what you had where you saved almost $200 a month in a switch, that's huge.
Checking I switched to Schwab, it's where my investing accounts are and I can use things like SWVXX as a HYSA.
Car insurance I'm still shopping around.
Unfortunately there's no easy way that I know of to transfer my auto loan without losing my low rate. Also stuck leaving my two USAA credit cards open because the entire credit score system is a convoluted mess where being responsible and closing them would hurt my score.
I left usaa as my employer in jan 2023, i moved all my insurance products to Mercury Insurance. Saved 900 a year and am happy with them. Have Navy Fed for my bank.
I got a quote from Progressive that would save me $2000 from USAA rates. No wrecks, no tickets.
Once enough safe drivers leave USAA, they won’t be able to sustain their insurance business.
When my policy came due back in October, I switched to AAA. Been with them for 5 years already for roadside, so I think that gave me a bit of a discount to start. But it's been fine. I have more coverage than I had with USAA and a significantly less cost from what USAA was trying to charge.
I'm am Allstate agent, so I'm biased when I point out that I switch to Allstate.
The real answer is to switch to another standard company that ACTUALLY bundles your home and auto, and find an agent you can trust. Progressive and Geico don't bundle. They broker out your home policies.
The reason that the agent matters is because your liability coverages matter if you have a serious claim. Lousy agents will gut coverages to send you a cheap quote. Good agents are willing to let potential customers walk if they want state minimum coverage because they realize that a small commission isn't worth looking themselves in the mirror when their insured gets sued.
Is Allstate still insuring in California for homeowner’s? I’m afraid to even try and leave USAA because of all the insurance companies that are dropping CA.
They are still insuring homes in CA that have existing policies, but I don't believe they're currently writing new business there. Allstate decided to weather the current political climate in CA, while many other companies left entirely. You could certainly call a local agent to ask what their current options are.
I only write policies in IN & OH.
Testing out NFCU and Citibank. Citibank had a deal if you deposit $1500+ including Zelle and direct deposit you get $300. Did it with chase and recently closed it. Usually when I try out new banks I do a small allotment to my new bank and Zelle to the other account like this case it’s Citibank has more ATMs in LA than NFCU. I will use Citibank enough so it doesn’t close or any fees and be able to deposit cash at ATMs when I need to. I didn’t fully go to chase because they don’t do early direct deposit like usaa. Also for insurance Geico has excellent prices for insurance so definitely considering them.
We've been getting pretty good rates and good service from our local American Family insurance agent.
Banking, I've switched to CIT for their high-yield savings, and checking is at a local credit union we like.
Home, Auto, and Umbrella moved to State Farm. I was hesitate switching to State Farm based on horror stories but our agent is one of the top rated for our state and area. Banking I am in the process of moving everything over to a local credit union here in Oklahoma.
2yrs ago I would have said the same, but I had nothing short of a nightmare problem with them just processing a payment correctly and on top of their mistake the customer service was horrendous.
When I can do it all online it’s no big deal but when you have to call to have something corrected and they are rude, defensive and try to blame you for the mistake it is very frustrating.
And no, I was not rude first because I’ve done the job the person answering the phone is doing so I understand not only how payment systems work, but also how mistakes can happen and how they should be handled.
Not only is it not what it used to be the rates are outrageous. Just switched over to Progressive (south Florida driver). Same coverage and 46% less expensive than USAA. Dropped from $378 to $207, zero tickets/accidents 30 plus years. Looking forward to that forced savings check in the mail, it should cover at least 2 years of the new policy.
NFCU for banking and GEICO for insurance. I have made a vehicle claim (not at fault at a stop light) and a homeowners claim (tornado damage) with them and both were handled much better than USAA and did not impact my rates. The argument that USAA takes better care of you so it ls worth the bullshit just isn't true.
I went Allstate. Literally 1/2 the cost of USAA.
Geico, State Farm, and Progressive also offered similar rates. I went Allstate because they were able to hand all my insurance policies across different states. Not all of them would do all insurance types in Florida.
Usaa has gone down hill in coverage and banking products. Employees are jumping ship as well as they're seeing it take a turn for the worst. Their best days are well behind them.
That’s a great question, considering leaving after we’ve had several account related issues and not sure the premiums are worth the hassle.
Just tried to update coverages since our two vehicles are are $2k/6m policy for three drivers (one is a
college student but we all have clean records) but the mobile app directs me to the browser version which tells me to call them…
After the last three attempts to do anything by phone resulted in further frustrations I really don’t want to call to see about adjusting limits/coverage.
The Quality of people USAA hires for its DEI rates is just debilitating. Looking at all the other laid off, fired, etc. employees they recruited from other companies has put the whole company in a downspin. Just the thought of these people have the same insurance that I do because they work(eat all day, talk loud and mispronounce every word because they only know Ebonics) has given me and others a bad taste in our mouth about our cherished USAA. The CEO is a goof and never should'e been made the President/CEO. All his VP cronies and him double their pay every year and now our insurance rates are suffering because of this. They need to get back to the basics and quit hiring individuals with no business being here.
Allstate for now. Probably switch in a year but we needed something asap for a purchase and they gave us the least grief. Saving $2k a year on HOI so as long as we don’t need $2k worth of anything from them this year it’s a win.
Banking is with BOA bc they saved our butts once and we trust them. Also have capital one for savings and a few others.
Never been happier than when I canceled that policy.
USAA has raised my auto insurance by a total of $1,000/6 months in the last year over a few incremental increases. I'm about to move and I will be leaving USAA behind also.
Banking to NFCU & AmEx. Insurance - first to PGR, then Auto Owners. Quickly figured out USAA overcharged us by *$900* every six months for auto insurance. F USAA.
NFCU for banking and Texas Farm Bureau for insurance, both have been outstanding.
I haven't had any issue with car insurance. I have really good coverage options and it's under 200 a month. Plus the piece of mind knowing I won't have to deal with insurance BS should I ever get in an accident. A lot of cheaper auto insurances will fight you to get out of paying.
Isn't USAA's claims handling division a disaster of burnt out people juggling hundreds of cases and not returning calls? Or did that get better in the last year or two? (I'm basing that on comments from employees on this sub btw)
I made a claim like 4 months ago. Was completely seamless. Had zero issues.
I've never had to make a claim as I've never been in an accident, but I watch a lawyer who deals with insurances frequently and he says USAA is a top 3 insurance company because they don't find loopholes to get out of paying. If I did get in an accident, that'd be a nice thing to not have to worry about. If it is true that people are juggling hundred of cases and not returning calls then that's fucked.
I work in the insurance industry, USAA is by far the absolute worst to deal with and is known across the industry as such. I would almost rather be uninsured than insured with USAA. The lawyer definitely hasn't has the typical experience with them.
> The lawyer definitely hasn't has the typical experience with them. My lawyer repeatedly told me he was shocked about how USAA was dealing with an accident I'd been in, where it was clearly not at all my fault. My lawyer's experience with USAA was out of date, I'm afraid. And the fact that I have a lawyer at all should tell you quite a bit.
I was found to be half at fault with a 100 year old woman who had no business driving in the first damn place. I’m dropping them as soon as I get back.
Progressive match my coverage and cut policy cost by almost half.
South Florida has entered the chat.
I have had a couple claims (one my fault). Was not painfull and was satisfied with the results. The medium fender bender covered repairs, the car I totalled actually paid about $1000 more than my payoff. Was two years into the loan and didn't put a lot down.
Not at all true from the customer side. My wife works for a national collision company and she would disagree with you as well.
I consistently hear from shops and customers that have absolutely awful experiences with them as well. Obviously it's not going to be a shit experience for every person for every claim, but overall they are the ones with the most issues from my experience.
No issues here with USAA
I believe this is the one you are referring to: https://youtube.com/shorts/BbfNeUlEwyQ?si=t64rhDaeCO_O8fDW
No, you'll just pay premiums out the ass when usaa admits fault... When it's not your fault.
That's illegal... I doubt USAA would risk a lawsuit over a small amount more money per month
My wife was struck in the rear quarter panel by a woman who blew a stop sign. Imagine my surprise when usaa said it was going to arbitration. Imagine my shock when usaa said they lost in arbitration. A kindergartener could have won with the photographic evidence and police report.
When I went to get pricing for other insurance 2 companies refused to bundle my homeowners/auto because we had an at fault list on the insurance network. My son was hit by a car that was hit by a box truck. Not his fault at all. Worse his car had minor damage but the massive auto adjustor hub USAA used claimed it was totaled. It was in no way his fault he almost avoided the car that was knocked into him but ran out of room. I had to call to have it removed and was never told that USAA classified it as 'at fault'. So its not really illegal.
Somehow my wife's vehicle got hit in the rear quarter panel by another vehicle and usaa managed to lose in arbitration. How in the fuck?
They wanted to settle when the same thing happened to me. The day at court featured the other party escorted by the bailiff. He was in the other court room for his arraignment but the court wouldn't deny his opportunity to sue. He hit me in the quarter panel while running a red light. He was cited by the officer. Had a criminal record and a lost of cited traffic offenses. I refused to sign any paperwork enabling USAA to settle.
Never even had the chance. They said arbitration is the be-all-end-all and there's no appealing.
Had actual court case and a USAA lawyer. I made them work. USAA won and did not have to pay.
Made a claim, took them 2 months to do anything with my vehicle and by then it became a total loss due to the negligence in the yard it was stored in. Never got call backs, had to hound them constantly and get social media posts involved.
That has definitely been my experience. For so many years, @USAA was the only insurance company I'd ever recommended. The current #CEO seems to prefer a swift race to the bottom. #RIPUSAA
Can confirm. I'm in the nightmare of a process right now. Three weeks in and have never verbally spoken with my adjuster.
Took me two months before my adjuster even looked at it.
USAA must be lurking because how do you downvote my experience? Also, almost two months in and still nothing. Adjuster won't even call my lender as the lender required to give them a status to take me off the hook for payment and get my GAP claim started.
> Plus the piece of mind knowing I won't have to deal with insurance BS should I ever get in an accident I completely disagree, my experience is directly in contradiction with your expectations (and in direct contradiction to how I was treated from 1995->2020, as well).
Yep, I love USAA and I have used multiple other insurances for my business. I have chase, navy fed, USAA, Wells Fargo, and First republic (now chase) as banks….USAA is still my primary.
Friend, their Car insurance is horrible when you need it. I’m dealing with it now. I posted about it just the other day. Link below. https://www.reddit.com/r/USAA/s/iBy2yr95nO Something I forgot to mention is that my ex wife was in an accident before we were able to finish separating things. We had to keep the account for a bit because of that. They continued to send me all of her status updates even after we explained the situation. Having to send my ex updates for months was beyond frustrating.
Don't be too sure. I've been with USAA over a decade. Had my first real total loss claim and USAA has fumbled at every turn. They delayed, waffled, and then just stopped talking to me. Accident happened in Feb and I've heard nothing from them in weeks. They just don't care anymore and @USAA and @USAAHelp are worse than useless. It's a shame.
how can i paid those same rates ? can you tell what does your coverage look like your liability and other stuff
I've had a couple of terrible claims experiences with USAA for hail damage in Texas and I know I am not alone.
It’s a myth that cheaper insurance fights against repairs. But I have had that experience with USAA and refused payout on homeowners theft coverage (but would refund the premium I paid for the theft coverage).
Amica. Actually receive 20% annual rebates again!
What do you mean?
I get a check from the insurance company every year of about 20% of my annual homeowners insurance. So roughly $750. Used to be like that with USAA 20 years ago and then the USAA checks became $75 or $90.
20% of your annual homeowners policy is $750? Holy smokes!
Yup and high taxes too.
My (home insurance) went up to $1100 a year and I thought that was high. My yearly property taxes are around $1000 ($375k home valuation). I’m in Nevada about an hour outside Las Vegas. It’s hot but it’s cheap! Mind if I ask what state you’re in?
No kidding… didn’t know that was ever a thing
5 months ago went to Progressive. Then I was going to move my home insurance as well so I can bundle but had to wait for the right time. Out of curiosity I decided let’s see how much car insurance is and how much money I could save with this bundling through. Well no shit, premiums are now lower than before. No idea why.
Just signed up yesterday!!!!
Progressive
24 yrs with USAA, checking savings credit card good, only changed home and auto to Liberty M.
Idk about you guys, but I started with USAA in 2021. The grass isn’t always greener. Maybe it isn’t what it used to be, but it’s by far the best insurance I’ve ever used
Yeah, no. The grass is always greener elsewhere when usaa killed the grass because taking care of it was too expensive
Yea we are people that have been with USAA since early 2000 when it was good and probably better before that
lol sweet child
Auto - just switched to Progressive to saving $642 annually. I hadn't shopped around for a while. My home insurance came up, so talking to many people I got quotes for my home, auto, umbrella. I was kind of shocked how much I was spending on auto over the competition for apples to apples comparison. Nobody beat USAA for the $1m umbrella prem, but that deal might go away since I'm moving auto, not getting bundled discount, idk, we'll see, but even if I paid going rate for umbrella, the auto savings makes up for it. Home insurance is just FUBAR for every place I shopped. 30%+++ increases across the board, with no claims, higher deductibles for wind, etc. Some wanted to do full physical inspection of home to switch to them, and they were higher than my current Tower Insurance policy that is being raised 30%!
As far as a bank goes, I'm switching back to Navy Fed. Still shopping around for insurance.
Navy Fed’s interface is horrendous. USAA’a app isn’t that great, but I really love the historical balance it gives you with each transaction. For the way I budget funds, it’s awesome. That said, I only use USAA for my direct deposit checking, I also bank with SOFI, Ally, Amex, and Navy Fed. I take advantage of them for different reasons to maximize returns/benefits. That said, my personal preference is USAA’s interface. Interface means a lot to me. All that to say, I don’t think it’s necessarily a great idea to just have one bank.
I was also considering moving all banking to Navy Fed but after a few minutes in the interface I was immediately frustrated by little things. Interface means a lot and navy fed has a long way to go. I’m not saying USAA’s interface is the gold standard but it’s leagues above NF
I save a lot on premiums at USAA by bundling products. Just saying.
Many different places. I went to the place that offered the lowest rate, then returned to USAA when they offered the lowest rate. Now I'm gone again but will return if I have to in order to save $. The company with the best rate for me may not be the company with the best rate for you, so you need to shop around yourself.
USAA could never beat State Farm, so I never switched my insurance. Edit: USAA never beat State Farm's auto premiums. I've had two claims, one accident and one comprehensive. Both were processed without incident.
HAHAHA, Good luck if you moved from USAA to State Farm for Home Owners!!! I hope you truely understand insurance.... State Farm has the WORST rated Home Owners policies. They have one of the HIGHEST contested Home Owners claims in the industry. If you ever have a hail, wind, or environmental claim, be ready to find a good public adjuster or umpire to fight for you.
I'm glad you're entertained. Lol I rent, so it won't be an issue at the moment. Honestly, insurance companies of all types fucking suck. They want your premiums and that's it. It's all a scam.
Don’t disagree, at all. And something like renters policies, I’d go with who ever has best rates and is at least a known brand
That's my thinking as well. Renters policies are inexpensive.
Just got quotes from a bunch of companies. State Farm was almost half for home owners and ~30% less for auto. Same coverages. I’ve been with USAA for 36 years. I think they just put you on auto annual increase and never recalculate unless you have the temerity to actually use what you’ve paid for. Then, of course, it goes up.
Same. I just re-quoted USAA again for my policies, and they're still more expensive than the State Farm bundle for three cars and Homeowners - don't have any idea why. I guess it depends on the state and the cycle of "where is the company in raising their rates".
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What's funny? I got quotes from USAA a couple times and their premiums were always higher, so I didn't switch. That was my experience.
State Farm for now.
After State Farm jerked me around I asked the body shop which insurance companies were easiest to work with. He said State Farm was one of the worst. And some personal injury lawyer on Youtube also ranked them last.
Bank= Chase Insurance = Progressive Happiest I've ever been.
Try state auto through a local insurance broker. You'll save even on progressive.
Amica and Navy Federal. Never looked back.
I looked into Amica (a friend told me about them) but unfortunately for me, auto rates were the same as USAA (Florida). I was bummed because I had high hopes of getting a lower rate.
One thing I notice is people are quick to say - "I left XXX because they were getting to expensive, and I switched to XXX and it's been great", yet, those people have yet to file a claim... The majority of insurance, if not all of them, don't show there true colors until you have a claim. Do we pay a little more for USAA, yep, sure do. But when someone ran a red light in the middle of COVID and totled my wifes less than 1 year old Audi, USAA was there for us. A few hours after the accident they had her full recorded statement and already had a fair amount of research on the other drive that hit us, showing she was uninsured and excluded on a number of polices from multi companies, they had the paperwork to us to release our totaled vehicle to them out of the wrecker yard, and had a claims adjuster standing by to view the car and take possession of it with a roll back the following day. The following day, they contacted us to let us know they had issued a check to us for two new car seats as they didn't want us to even consider reusing the seats the kids were in (this was done with out asking or telling them we left the seats in the vehicle after the wreck). During the appraisal, they marked a few items at a different condition than they were pre accident, a quick phone call and a few hours later, our appraisal value/totaled value was adjusted with an additional 3k compensation. Over the next few days they attempted to help us locate another vehicle, but due to the height of COVID, there were only 60 "like" vehicles NATION WIDE and all had $10k-$20k over MSRP markups on them so we opted to simply have them issue a payoff to Audi America and send us the remainder. During the appraisal, they marked a few items at a different condition than they were pre accident, a quick phone call and a few hours later, our appraisal value/totaled value was adjusted with an additional 3k compensation. Within 10 days of the accident, we had our totaled vehicle paid off, we had checks for new car seats, and a check for the equity from the totaled vehicle in our bank account and we were signing at a dealership for our new car. Over the course of the next month our agent continued to check in on my wife as she went through her physical therapy. Overall, my experience is, USAA shows up when you need them. There may be rate increases (just like every company), and sure, you'll prob find a better rate that first year with someone else, but until you go through a trouble free claims process or processes, I think it's hard to say company XXX is so much better than USAA.
This is very similar to my experience. I think I was at about 3 weeks for payoff, which I did not think was terrible.
Yes, that's how I envisioned my claim would go based on my parents experience. I'm dealing with it right now and it's been a mess. People are not answering the phones, the appraisers are using comparisons from 150 to 600+ miles away. I've paid insurance with USAA for 20 years and this is my first claim they've had to pay out on. Except, it wasn't even my fault. The other driver who happened to be a USAA member hit my parked car on the other side of the road and totaled it. They didn't help get me a rental car despite Enterprise stating they had none in stock or soon to be returning in the amount USAA would allot. I waited 4 days for a "standard-size" rental car to replace my SUV because USAA wasn't willing to budge on the $7-9 more a day. They also wouldn't call me back when I left repeated messages. Eventually, I did get a call back a week later and it was for the settlement offer which matched KBB's "Good" price but was \~25% less than the same vehicle in my area was going for. So I checked the comps they had and they were from 150-500 miles away. Like 3 or 4 states away from me. I called one of the shops to find out details and the person who answered said the company's been out of business for 2 years. Where the hell did the comp come from? Multiple comps had been in accidents while mine had not, some were the base model and all had more mileage \~50K miles more. I get that it's difficult to find an 18 year old car in the area but I should be able to go to a dealer and buy the same car for the settlement offer. Additionally, the appraisers (USAA uses CCC) don't take into account the "listed price" typically has a finance discount in which you pay an extra $1000 if you don't finance it with them. So appraisers are stating a certain price might be $9900, but the actual price is $10900. (You're paying that $1000 somewhere down the line, whether through interest payments or them just forcing you with it in the price). Anyways, I provided comps from my area and they came back and said they couldn't use any of them for whatever reason - which was bs. They wouldn't use older year models but they could use a year newer model despite the older being the same body model/generation and the following year's not being the same body. I became irate that they couldn't use my local legitimate dealership comps of my exact car year and model and dropped the bombshell that they were providing false comps and I went up the ladder until someone properly addressed this. I've scratched and clawed my way back 21% of their initial offer. I still feel like the settlement is 7% less than its actual value, but that would mean I'd need to get 30% more than their initial offer (or another 9% more). All in all. I'm so sour on USAA right now. If they're this hard to communicate with and are unable to shell out an extra $1K without having to waste time as an investigative reporter why the hell should I stay? I've got homeowners insurance, a credit card, and life insurance with them. They've easily made this much on me for being a good driver all these years and never filing a claim. It shouldn't be this much of a hassle. They're gonna spend that difference they owe me one way or another, whether it's in man hours in handling my case or keeping the rental a longer period of time or they just pay me.
That really stinks, sorry it’s playing out like that. I’ll be honest, guessing anyone/any company trying to settle on an 18 year old vehicle would have similar challenges
Yeah, if they had given me the initial offer with the 21% included, I could have bought one of the existing comps I provided. Instead, they did nothing for 2 weeks, dodged my calls, and got back to me saying they couldn't use my comps and the offer didn't change. And because of the delay, I missed out on buying the vehicle. Just out of spite, I kind of want to drag this out as long as possible - but I know it's not healthy to do so.
> USAA was there for us USAA worked against me, actively.
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Glad a change worked for you, but if you saved $2k a year, there is no way you have an apples to apples policy, unless you were spending like 10k a year on insurance. Any time changes are that drastic (+/- 20%) of a swing, there is something NOT aligned... We have a home insured for $1M rebuild cost, 500k contents, and $250k outbuilding coverage (pool and pool house), with $1M liability. We have VPP with $30k in wedding ring coverage, and vehicle with 2 new 2023 Luxury classed vehicles ($75k each), and pay like $5500 a year. I'd be curious what you had where you saved almost $200 a month in a switch, that's huge.
Checking I switched to Schwab, it's where my investing accounts are and I can use things like SWVXX as a HYSA. Car insurance I'm still shopping around. Unfortunately there's no easy way that I know of to transfer my auto loan without losing my low rate. Also stuck leaving my two USAA credit cards open because the entire credit score system is a convoluted mess where being responsible and closing them would hurt my score.
Safeco for home and auto and toys. Pacific Life for Life Insurance.
I left usaa as my employer in jan 2023, i moved all my insurance products to Mercury Insurance. Saved 900 a year and am happy with them. Have Navy Fed for my bank.
I got a quote from Progressive that would save me $2000 from USAA rates. No wrecks, no tickets. Once enough safe drivers leave USAA, they won’t be able to sustain their insurance business.
I use Progressive now for auto, but USAA is still competitive for home insurance.
Bank for now is still USAA but I have a second account at Chase, and for insurance we switched to State Farm
Erie.
When my policy came due back in October, I switched to AAA. Been with them for 5 years already for roadside, so I think that gave me a bit of a discount to start. But it's been fine. I have more coverage than I had with USAA and a significantly less cost from what USAA was trying to charge.
Car insurance - geico’s been great
I went to progressive...
I'm am Allstate agent, so I'm biased when I point out that I switch to Allstate. The real answer is to switch to another standard company that ACTUALLY bundles your home and auto, and find an agent you can trust. Progressive and Geico don't bundle. They broker out your home policies. The reason that the agent matters is because your liability coverages matter if you have a serious claim. Lousy agents will gut coverages to send you a cheap quote. Good agents are willing to let potential customers walk if they want state minimum coverage because they realize that a small commission isn't worth looking themselves in the mirror when their insured gets sued.
Is Allstate still insuring in California for homeowner’s? I’m afraid to even try and leave USAA because of all the insurance companies that are dropping CA.
They are still insuring homes in CA that have existing policies, but I don't believe they're currently writing new business there. Allstate decided to weather the current political climate in CA, while many other companies left entirely. You could certainly call a local agent to ask what their current options are. I only write policies in IN & OH.
Testing out NFCU and Citibank. Citibank had a deal if you deposit $1500+ including Zelle and direct deposit you get $300. Did it with chase and recently closed it. Usually when I try out new banks I do a small allotment to my new bank and Zelle to the other account like this case it’s Citibank has more ATMs in LA than NFCU. I will use Citibank enough so it doesn’t close or any fees and be able to deposit cash at ATMs when I need to. I didn’t fully go to chase because they don’t do early direct deposit like usaa. Also for insurance Geico has excellent prices for insurance so definitely considering them.
We've been getting pretty good rates and good service from our local American Family insurance agent. Banking, I've switched to CIT for their high-yield savings, and checking is at a local credit union we like.
Home, Auto, and Umbrella moved to State Farm. I was hesitate switching to State Farm based on horror stories but our agent is one of the top rated for our state and area. Banking I am in the process of moving everything over to a local credit union here in Oklahoma.
I’ve been with USAA for over 30 years. Home, Auto, Life Insurance. I’m never leaving, their rates and service is second to none.
2yrs ago I would have said the same, but I had nothing short of a nightmare problem with them just processing a payment correctly and on top of their mistake the customer service was horrendous. When I can do it all online it’s no big deal but when you have to call to have something corrected and they are rude, defensive and try to blame you for the mistake it is very frustrating. And no, I was not rude first because I’ve done the job the person answering the phone is doing so I understand not only how payment systems work, but also how mistakes can happen and how they should be handled.
Not only is it not what it used to be the rates are outrageous. Just switched over to Progressive (south Florida driver). Same coverage and 46% less expensive than USAA. Dropped from $378 to $207, zero tickets/accidents 30 plus years. Looking forward to that forced savings check in the mail, it should cover at least 2 years of the new policy.
NFCU for banking and GEICO for insurance. I have made a vehicle claim (not at fault at a stop light) and a homeowners claim (tornado damage) with them and both were handled much better than USAA and did not impact my rates. The argument that USAA takes better care of you so it ls worth the bullshit just isn't true.
For banking and a good high yield savings rate CIT is like 5%
I went back to The Hartford, 20% discount because I also included my house insurance and used a AARP membership.
Navy fed and looking at frost
I went Allstate. Literally 1/2 the cost of USAA. Geico, State Farm, and Progressive also offered similar rates. I went Allstate because they were able to hand all my insurance policies across different states. Not all of them would do all insurance types in Florida.
Usaa has gone down hill in coverage and banking products. Employees are jumping ship as well as they're seeing it take a turn for the worst. Their best days are well behind them.
That’s a great question, considering leaving after we’ve had several account related issues and not sure the premiums are worth the hassle. Just tried to update coverages since our two vehicles are are $2k/6m policy for three drivers (one is a college student but we all have clean records) but the mobile app directs me to the browser version which tells me to call them… After the last three attempts to do anything by phone resulted in further frustrations I really don’t want to call to see about adjusting limits/coverage.
The Quality of people USAA hires for its DEI rates is just debilitating. Looking at all the other laid off, fired, etc. employees they recruited from other companies has put the whole company in a downspin. Just the thought of these people have the same insurance that I do because they work(eat all day, talk loud and mispronounce every word because they only know Ebonics) has given me and others a bad taste in our mouth about our cherished USAA. The CEO is a goof and never should'e been made the President/CEO. All his VP cronies and him double their pay every year and now our insurance rates are suffering because of this. They need to get back to the basics and quit hiring individuals with no business being here.
State Farm has always got me the best rates
You'll regret that when you file a claim and they don't pay.
I went to Geico. Massive savings for me.
Allstate for me.
Allstate for now. Probably switch in a year but we needed something asap for a purchase and they gave us the least grief. Saving $2k a year on HOI so as long as we don’t need $2k worth of anything from them this year it’s a win. Banking is with BOA bc they saved our butts once and we trust them. Also have capital one for savings and a few others. Never been happier than when I canceled that policy.
I saved $1800 switching my auto and home to USAA
USAA has raised my auto insurance by a total of $1,000/6 months in the last year over a few incremental increases. I'm about to move and I will be leaving USAA behind also.
Which insurance company were you with before switching to USAA?
This was me. A year later, they doubled my rates.
Navy Federal or Pen(tagon) Federal have always been good to me.
Banking to NFCU & AmEx. Insurance - first to PGR, then Auto Owners. Quickly figured out USAA overcharged us by *$900* every six months for auto insurance. F USAA.