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USAA Auto Insurance Review (2024)

According to our USAA auto insurance review, USAA auto insurance rates average $59 per month. However, only military members and their families can qualify for USAA auto insurance. Drivers can earn additional savings on their auto insurance (up to 30%) by participating in the USAA SafePilot program.

UPDATED: Oct 2, 2024Fact Checked
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Written by:

Rachel Bodine

Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →
Written by Rachel Bodine

Feature Writer

Reviewed by:

Daniel Walker

Licensed Auto Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Full Bio →
Reviewed by Daniel Walker

Licensed Auto Insurance Agent

UPDATED: Oct 2, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Oct 2, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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UPDATED: Oct 2, 2024Fact Checked
4.7
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USAA

Average Monthly Rate For Good Drivers

$63

A.M. Best Rating:

A+

Complaint Level:

Low

Pros

  • Offers multiple products including financial services and banking
  • High customer satisfaction and financial ratings
  • Rates are lower than average
  • Coverage is available in all 50 states
  • Easy-to-use mobile app

Cons

  • Coverage isn’t available to everyone
  • DUIs drastically increase rates
  • SafePilot isn’t available in every state
  • Customer complaints are higher than competitors
While many auto insurance companies offer discounts and lower rates to service members, USAA is the only company specializing in insurance and products for the military. USAA auto insurance isn’t available to everyone, but the company offers cheap coverage and consistently earns very high ratings across the board, both in customer satisfaction and financial stability. Only military members and their families are eligible for the numerous USAA insurance coverages and products, such as auto loans and life insurance. Even while deployed, USAA provides inexpensive insurance options to help you avoid a coverage lapse. While you should always shop around to find the best auto insurance company for you, there’s a good chance USAA fits your needs. Keep reading to learn more about USAA auto insurance and determine if it’s the right company for you.

USAA is a highly-rated insurance company offering various insurance options and other products to military members and their families. Drivers can also find life and health insurance, auto loans, and investment products like annuities.

In addition to various offerings, USAA has the lowest auto insurance rates. Although teens and drivers with DUIs pay higher rates, USAA rates are still the lowest out of the top insurers in the nation.

USAA’s numerous products, excellent ratings, and low rates make it a great choice for military members looking for one company to meet various needs.

What You Should Know About USAA

USAA has been in the insurance business for 100 years, specializing in affordable auto insurance for the military. The company offers excellent service and coverages specific to military members, such as a deployment discount.

USAA offers military members and their families various coverage options at the lowest rates. That’s why it’s considered one of the best auto insurance providers for veterans and the military.

USAA also ranks high in customer satisfaction with J.D. Power and financial stability through A.M. Best. So, drivers with USAA insurance are confident the company will be there when needed.

Read More: Best Auto Insurance Companies

While coverage is only available to military members and their families, it’s available in all 50 states and Washington, D.C.

In addition to auto insurance, USAA offers insurance products such as homeowners, renters, boat, RV, and motorcycle coverage. Drivers can also take advantage of life and health insurance, auto loans, and investment opportunities through USAA.

USAA’s low rates, high ratings, and various coverage options make it a great fit for military members.

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USAA Insurance Coverage Options

USAA offers various auto insurance coverages and other insurance products. Since USAA provides many products, drivers may find the company meets all their needs.

Typical auto insurance offerings from USAA include the following:

In addition, USAA offers roadside assistance, rental car reimbursement, and accident forgiveness. Hard-to-find coverage, such as rideshare and classic car insurance, is also available. Drivers can bundle their auto insurance policy with numerous coverages and services, making USAA a one-stop shop for insurance.

Other USAA coverages and products include:

  • Homeowners
  • Renters
  • Recreational vehicles such as motorcycles, boats, and RVs
  • Health
  • Life
  • Pet
  • Travel
  • Auto loans
  • Annuities

USAA rates are typically lower than other insurance companies, so using the company for multiple needs saves money.

How do you file a USAA claim?

While you can file a car insurance claim with USAA on the mobile app, you can also call USAA if you prefer to speak with someone. The USAA claims phone number is 1-800-531-8722, which also serves as the USAA customer service phone number.

While rare, most USAA complaints revolve around claims and customer service. However, USAA still has very high satisfaction ratings since most drivers are very satisfied with how claims are resolved.

Drivers can also use the USAA app or website for most needs, such as accessing policy information, paying bills, or applying for loans.

USAA Insurance Rates Breakdown

Many factors affect auto insurance rates, including age, driving history, and credit score. Therefore, USAA auto insurance quotes are different for each driver. To get an idea of auto insurance rates across the country, take a look at the map below.

USAA auto insurance rates are the lowest, but you’re only eligible if you’re a military member or family member. Other drivers don’t qualify for coverage.

Most states require at least a minimum amount of liability coverage. However, liability coverage only pays for damages to others. Therefore, drivers should add collision and comprehensive coverages to protect their vehicles.

Full coverage auto insurance includes liability, collision, comprehensive, and other required coverages. While more coverage equals higher rates, you’re better protected and pay less out of pocket if your vehicle gets damaged.

This table shows average rates based on full coverage from USAA and other top insurers.

Full Coverage Auto Insurance Rates From Top Providers

Insurance CompanyMonthly Rates
Allstate$160
American Family$117
Auto-Owners$33
Farmers$87
Geico$80
Liberty Mutual$174
Nationwide$115
Progressive$105
State Farm$86
Travelers$99
USAA$59
U.S. Average$119

Compare RatesStart Now →

In addition, we’ve put together a table showing annual rates based on minimum coverage.

Liability Auto Insurance Average Rates From Top Providers

Insurance CompanyMonthly Rates
Allstate$160
American Family$117
Auto-Owners$87
Farmers$139
Geico$80
Liberty Mutual$174
Nationwide$115
Progressive$105
State Farm$86
Travelers$99
USAA$59
U.S. Average$119

Compare RatesStart Now →

As you can see, USAA rates are the cheapest regardless of coverage. Considering full coverage is only around $11 a month more than liability-only coverage, it makes sense to choose the most protection available.

How does driving history affect USAA auto insurance rates?

Auto insurance companies check driving records, so drivers with accidents, tickets, and DUIs see the highest rates since they’re more likely to cost the insurance company money.

This table shows how having one accident on your driving record affects USAA car insurance rates.

Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record

Insurance CompanyOne AccidentClean Record
AAA$220$180
Allstate$225$166
American Family$176$116
Farmers$198$140
Geico$132$95
Hartford$230$175
Liberty Mutual$234$177
Nationwide$161$140
Progressive$186$120
State Farm$150$105
Travelers$200$160
U.S. Average$172$123

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You can expect your rates to increase after a speeding ticket as well.

Full Coverage Auto Insurance Monthly Rates: One Ticket vs. Clean Record

Insurance CompanyOne TicketClean Record
AAA$108$180
Allstate$188$166
American Family$136$116
Farmers$173$140
Geico$106$95
Hartford$136$175
Liberty Mutual$212$177
Nationwide$137$140
Progressive$140$120
State Farm$96$105
Travelers$134$160
U.S. Average$147$123

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While USAA rates increase with speeding tickets or accidents, they almost double with a DUI.

Full Coverage Auto Insurance Monthly Rates by Driving Record

Insurance CompanyOne AccidentOne DUIOne TicketClean Record
AAA$220$240$220$180
Allstate$225$225$195$166
American Family$176$176$131$116
Farmers$198$198$176$140
Geico$132$132$125$95
Hartford$230$250$215$175
Liberty Mutual$234$234$217$177
Nationwide$161$161$175$140
Progressive$186$186$160$120
State Farm$150$102$138$105
Travelers$200$139$205$160
U.S. Average$172$173$152$123

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Drivers with multiple dings on their driving record see extremely high rates. Additionally, drivers with multiple infractions may be considered high-risk and require costly special coverage.

Does your credit score affect USSA rates?

Your credit score affects many aspects of your life, such as loan rates, credit card interest rates, and qualifying for an apartment.

However, many drivers aren’t aware their credit score can affect their insurance rates. While some states, like California, don’t allow insurers to use this factor to determine rates, most states allow auto insurance companies to use credit scores.

Most insurance companies believe that drivers with good credit are more likely to avoid filing a claim and will pay for damages themselves. On the other hand, drivers with poor credit are more likely to file a claim and possibly miss payments.

USAA uses credit scores to calculate insurance rates. This table shows how much more drivers with fair or poor credit pay for USAA coverage.

Full Coverage Auto Insurance Monthly Rates by Credit Score

Insurance CompanyPoor CreditFair CreditGood Credit
AAA$245$165$135
Allstate$296$197$166
American Family$203$136$116
Farmers$269$161$140
Geico$148$100$82
Hartford$230$155$120
Liberty Mutual$355$226$177
Nationwide$166$133$120
Progressive$206$138$109
State Farm$200$118$91
Travelers$194$128$107
U.S. Average$226$148$123

Compare RatesStart Now →

USAA drivers with poor credit pay double compared to drivers with good credit. The good news is that you can raise your credit score by making on-time payments and using credit responsibly.

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USAA Discounts Available

We’ve already shown that USAA auto insurance is the cheapest out there. However, there are ways to get even lower rates.

The easiest way to lower rates is to take advantage of auto insurance discounts. USAA auto insurance discounts are based on the driver, policy, and vehicle. In addition, drivers can bundle eligible discounts for the most significant savings.

Drivers can also participate in the USAA SafePilot program to earn additional savings. SafePilot is a telematics program that monitors your driving habits, such as speed and hard braking. As a result, drivers who exhibit safe driving can save up to 30% on their auto insurance.

Lastly, look closely at your policy. Lower coverage amounts and raised deductibles to lower your rates. However, doing so means higher out-of-pocket costs if your vehicle gets damaged.

How USAA Ranks Among Providers

Cheapest for Military & Veterans
Learn more about USAA, what products they offer, what their consumers think about them and how they compare against other carriers.
4.7

Company Facts

Average Monthly Rate For Good Drivers

$63

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

  • Offers multiple products including financial services and banking
  • High customer satisfaction and financial ratings
  • Rates are lower than average
  • Coverage is available in all 50 states
  • Easy-to-use mobile app
  • Coverage isn’t available to everyone
  • DUIs drastically increase rates
  • SafePilot isn’t available in every state
  • Customer complaints are higher than competitors
» USAA
Cheapest with an Accident
Is State Farm Insurance good? As one of the most popular providers in the country, State Farm boasts strong financial ratings and positive customer reviews. State Farm homeowners insurance reviews rank it in the top ten for claims satisfaction. Coverage is also available in all 50 states, which is important to Florida
1.0

Company Facts

Average Monthly Rate For Good Drivers

$86

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

  • One of the largest insurance companies in the US
  • High levels of customer satisfaction
  • Affordable rates for people with a speeding ticket or an accident on their record
  • Wide variety of discounts available
  • Rideshare insurance
  • High rates for drivers with poor credit scores
  • No gap coverage
  • Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available
» State Farm Insurance
Cheapest with a Clean Record
Geico, short for Government Employees Insurance Company, is an American auto insurance company. It was founded in 1936 and is currently headquartered in Chevy Chase, Maryland. Geico is known for its catchy advertising campaigns and its focus on providing affordable car insurance to a wide range of customers. The compan
2.0

Company Facts

Average Monthly Rate For Good Drivers

$82

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Affordable rates
  • High customer satisfaction
  • Extensive discounts
  • No gap coverage
  • Higher rates for drivers with a DUI
» Geico

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Frequently Asked Questions

Where is USAA car insurance available?

USAA insurance is available in all 50 states, but SafePilot is only available in 25 states.

How can you get a USAA car insurance quote?

Get a USAA auto insurance quote by calling customer service at 1-800-531-USAA. The fastest way to get a quote is to request one through the USAA website.

Does USAA offer SR-22 coverage?

Yes, USAA offers SR-22 coverage to high-risk drivers whose state requires them to file the SR-22 form. The form states that you have the mandatory coverage to drive legally.

Does USAA offer GAP coverage?

Unfortunately, drivers who need GAP coverage can’t get it through USAA. GAP coverage pays the difference between what you owe on your vehicle and what it’s worth. If you already have USAA insurance, you’ll need to get GAP coverage elsewhere.

How do you file a USAA car insurance claim?

You may file a car insurance claim with USAA through the app or by calling customer service. If you use the USAA app to file a claim, upload your photos to speed up the estimate process.

How can you contact USAA?

Drivers can contact USAA in multiple ways. The easiest way is to call customer service at 1-800-531-USAA. However, drivers can also make contact through the website, Twitter, or by mail at 9800 Fredericksburg Rd., San Antonio, TX 78288.

Who can get USAA car insurance?

USAA auto insurance is only available to veterans, members of the military, and their families.

Can I cancel my USAA Auto Insurance policy?

Yes, you have the option to cancel your USAA Auto Insurance policy at any time. You can initiate the cancellation process by contacting USAA’s customer service or accessing your policy online. It’s important to note that canceling a policy may have financial consequences, so it’s advisable to review the terms and conditions of cancellation before proceeding.

Can I add additional drivers to my USAA Auto Insurance policy?

Yes, you can add additional drivers to your USAA Auto Insurance policy. Immediate family members such as spouses and children are typically eligible to be added as drivers. However, it’s important to provide accurate information about all drivers to ensure proper coverage.

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Written by:

Rachel Bodine

Feature Writer

Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

Full Bio →
Written by Rachel Bodine

Feature Writer

Reviewed by:

Daniel Walker

Licensed Auto Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...

Full Bio →
Reviewed by Daniel Walker

Licensed Auto Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for USAA

4.71 (6,435 reviews)
1
April 25, 2024

AnTonyC

Active Duty and Veterans Beware!

I am so disappointed in USAA. They offer auto insurance in Hawaii but do not offer Homeowner's insurance. They refer members to American Modern Insurance Group, whose services are substandard. USAA should not refer members to a company that provides substandard services.
1
January 19, 2024

Poteattony

Usaa not so great anymore

These guys dropped me based on my adult daughters driving record even thought my wife and i have a perfect driving record and will not renew or communicate even though both daughters are adults and are moved out of my home! Thanks for looking our for your vets usaa! Ive been a member and have had insurance banking etc with them for 14 yrs but im out now! Theses guys really do not have any loyalty
1
December 21, 2023

ioam

Customer service got bad

I have been a member with USAA for nearly 10 years now. I have received exceptional service in the past, but recently I am very disappointed with their service. My vehicle was deemed a total loss 3 times during my claim/repairs, it has been in repair status for 3 months, I was only reimbursed for 6 days of rental coverage, the adjusters including the manager are unresponsive and communication is unnecessarily drawn out. USAA refused to communicat...
I have been a member with USAA for nearly 10 years now. I have received exceptional service in the past, but recently I am very disappointed with their service. My vehicle was deemed a total loss 3 times during my claim/repairs, it has been in repair status for 3 months, I was only reimbursed for 6 days of rental coverage, the adjusters including the manager are unresponsive and communication is unnecessarily drawn out. USAA refused to communicate with the mechanical shop and the body shop, which made my life very difficult. I was doing their work to ensure the parties are getting paid, that my vehicle is being moved from shop to shop, and I had to frequently call USAA to receive any kind of status update. At one point they actually closed my claim as "resolved" simply because they claimed I was not responding... I was furious about that. They reopened my claim a day later because I was checking emails, the claims communication center and my phone daily. Meanwhile, I signed a new lease when I was informed the first time that my vehicle is totaled, moved out of state and now have to have my vehicle shipped to me. From all USAA employees in the claim process, I feel ignored, misinformed, and not treated as a valued customer. I am writing this review because trying to resolve this matter internally has led to no results and at this point, I do not recommend USAA to potential new members, especially when I am paying $250 monthly to be insured for anything that may come my way...
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4
October 2, 2023

Sandy_H

Unresolved billing issue for months

Wow, after being a USAA member for decades, I can't get them to resolve a billing issue that's ongoing since September 2022. I've made 15+ calls, more than 40 hours if our time, sometimes talking to 2 or 3 representatives per call, supervisors, and EVERY TIME, you have to start over because you can't talk to the same person twice, EVER. No one can help, Supervisors don't return calls if you're lucky enough to reach one after 45 minutes on hold, a...
Wow, after being a USAA member for decades, I can't get them to resolve a billing issue that's ongoing since September 2022. I've made 15+ calls, more than 40 hours if our time, sometimes talking to 2 or 3 representatives per call, supervisors, and EVERY TIME, you have to start over because you can't talk to the same person twice, EVER. No one can help, Supervisors don't return calls if you're lucky enough to reach one after 45 minutes on hold, and still, the billing problem persists. Extremely disappointed and you can't send an email or tell anyone. Maybe this public post will provide some relief.
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1
September 26, 2023

davidwells

USAA: Always hire a lawyer

Always hire a lawyer when dealing with USAA. Here are the tactics USAA uses to avoid paying your car claim. 1. Ignore your phone calls and delay for months to wear you down 2.Make you manage their claim department to get things done 3.Each new person shows surprise that no one has called you back and promises to take care of it 4.Tell you that your 2022 claim was on an old system and only a few people can access that system 5.Play a game that the...
Always hire a lawyer when dealing with USAA. Here are the tactics USAA uses to avoid paying your car claim. 1. Ignore your phone calls and delay for months to wear you down 2.Make you manage their claim department to get things done 3.Each new person shows surprise that no one has called you back and promises to take care of it 4.Tell you that your 2022 claim was on an old system and only a few people can access that system 5.Play a game that the market value of a wrecked car is within $500 dollars of an unwrecked car. Go somewhere else.
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1
June 17, 2023

chanelcinq

Completely incompetent

What a complete nightmare.  WORST COMPANY EVER. They are completely incompetent on every single level.  Please look at the reviews.  If you sort by most recent the first three pages ALL are 1 star except one 3 star and two 2 stars.  The rest are all 1 star so it is obvious they have declined.  It took them 5.5 weeks to total my car.  The agents don't call you back and basically, they don't do anything.  Nothing happened unless I called to ...
What a complete nightmare.  WORST COMPANY EVER. They are completely incompetent on every single level.  Please look at the reviews.  If you sort by most recent the first three pages ALL are 1 star except one 3 star and two 2 stars.  The rest are all 1 star so it is obvious they have declined.  It took them 5.5 weeks to total my car.  The agents don't call you back and basically, they don't do anything.  Nothing happened unless I called to move to the next step.  It took a week before they even towed my car from the accident site.  I called every day telling them my car was going to be towed away and they needed to move it.  When they towed it they towed it about 45 minutes away and across a bridge.  I am in a very populous place in San [REDACTED NAME] between San [REDACTED NAME] and San [REDACTED NAME] yet they towed my car to the East Bay.  Then it sat for 1.5 weeks.  I called again to ask what is going on and why there has been no appraisal after 2.5 weeks.   Once I called them, then I received a call back in 25 minutes the appraisal was done.  I asked the agent how he did it so fast and he said from photos.  Give me a break.  It was obviously NOT correct.  Then the car needed to be towed from this facility in the East Bay to my auto body shop.  I was told on a Wednesday that the paperwork to get the car out takes 72 hours and that takes it to Sat and it was Memorial weekend so the car would not arrive until the Tuesday after labor day.  Well, it actually arrived Wednesday the 7th of June.  So absurd.  The auto body shop did the estimate on Friday of that same week and we were in contact this past Monday.  They sent the estimate to USAA on Monday and today, Friday, I get a TEXT that the case is closed and my car is totaled.  And of course, my adjusted didn't answer her phone or call back.   I think they make money from totaling out the car. They told me I would get 17,194.00 if the car is totaled. The estimate from the auto body shop was for 13,506 and they still totaled it. I told USAA that the shop will work with me. USAA said if you decide to do a salvage you only get about 7,000. They said they sell my car for parts and if they cannot sell it, For example in the case of a salvage, they don't make any money so that is why the payout is less. All of it seems so shady. Why would there be a 10,000 difference? Things just do not add up. You have been forewarned to steer clear of this nightmare of a company.
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1
May 31, 2023

HB23

Incompetent company

This is the most incompetent insurance company I’ve ever dealt with. My car was hit by one of their members and is still not fixed nearly 3 months later. Their excuse is that they don’t have their members statement. If they’re handling getting their members statement like they did mine then I’m not surprised. They made ZERO effort to get my statement, didn’t reach out once. The only reason they have my statement is because I called over...
This is the most incompetent insurance company I’ve ever dealt with. My car was hit by one of their members and is still not fixed nearly 3 months later. Their excuse is that they don’t have their members statement. If they’re handling getting their members statement like they did mine then I’m not surprised. They made ZERO effort to get my statement, didn’t reach out once. The only reason they have my statement is because I called over and over and over leaving multiple messages, that were never responded to. I finally got through to a person after many tries and gave them my statement even though they weren’t the person that was in charge of this claim. I would caution anyone against using USAA for their insurance seeing as how they clearly have no intention of paying out for a claim.
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1
May 25, 2023

JonB36

USAA's exemplary service legacy has hit rock bottom.

USAA’s auto repair service has hit rock bottom. Unfortunately, I’m just one of many experiencing it: but I think I have uncovered a reason why. Once listed in “Consumers Reports” as the best all-around auto insurance provider, a year or so ago USAA made a decision which has led to long repair delays and absolute frustration for us their customers/members. And to top it off, USAA doesn’t seem concerned. If you don’t believe me, jus...
USAA’s auto repair service has hit rock bottom. Unfortunately, I’m just one of many experiencing it: but I think I have uncovered a reason why. Once listed in “Consumers Reports” as the best all-around auto insurance provider, a year or so ago USAA made a decision which has led to long repair delays and absolute frustration for us their customers/members. And to top it off, USAA doesn’t seem concerned. If you don’t believe me, just try to get someone from their claims department to answer or return your telephone calls when you need them to!! From my own recent auto repair experience and what I have been able to learn from other sources, USAA has replaced a large number of its in-house claims adjusters with a third-party firm called (I believe) "Snapsheet" to take over their claims adjusting process. Now, all auto repair estimates go directly from the repair facilities to this outsider company ...not to USAA...which reviews them, deals (negotiates) directly with the shops and then sends a “revalued version” to USAA. Only then will USAA issue a check and the go-ahead to start repairs. USAA now will do nothing until in receipt of Snapsheet’s, “approved” total. Time is no longer a consideration and there seems to be no limit to the number of times the shop has to revise its’ estimate in order to obtain Snapsheets’ approval. (In my case it has been four times so far.) According to a shop foreman I talked with who had been offered a job with them, Snapsheets employees do not have to be experienced adjusters; aren’t required to visit the facility or to examine the vehicle in question; and can form their estimates working from home if they wish. And Snapsheet is also free to “bargain” directly with repair facilities without USAA input. According to him the recruiter old him up front that Snapsheet is being hired to save USAA money, and that is of paramount importance. So, where does all this leave us, members and customers when everything comes to an impasse? Essentially, in limbo. We can’t talk to anyone at Snapsheet, and hardly any USAA adjusters answers or returns calls, even though their answering machine states their aim is to return calls within 4 hours. That claim should be erased!! Customer care????? Judging from numerous negative remarks I’m not alone. In my own case I haven't received any return calls and the repair shop has had their estimate returned four times now with a warning that if they do not concede to reduce their estimates to Snapsheets’ satisfaction they (Snapsheet) will not forward it on to USAA. In the meantime, my car sits there, broken and USAA seems oblivious or uninterested in intervening to get this impasse resolved. They won't even talk to the repair facility to sort things out! That's how poor their customer service has become! USAA’s recent ad campaign claiming to have the interests of veterans, service members and their families at heart...is something of a sad joke. But as a veteran and a long time member…. I’m not laughing!! Someone should remind USAA's leadership of the age-old business rule..."poor service leads to lost customers". At this writing, nothing has been resolved. The shop is thinking of throwing my car out of their lot. I'm totally frustrated and disappointed. For many years I have relied on USAA, but they are just not the same company today. Now its "buyer Beware!!" That's my 2 cents !!! JonB
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1
May 4, 2023

Cvinny10_

Do NOT get this insurance

Worst experience. I got hit by someone with this insurance and it took them 7 weeks to total my car. We came upon an agreement for the amount I would be paid so I signed the title over and a week later they said they could no longer pay that amount. Please do yourself and the rest of us Americans a favor and do NOT get this insurance
1
February 25, 2023

CGN_Demandante

Damaged Rental Van Payoff

I returned a perfectly good rental van to Budget Rental during the summer, but they damaged it sometime afterwards. It was not even a small damage: there were dents all along the driver side door, the sliding door panel, and the trunk door. It was something that would not have been missed, if I returned the van in that condition. However, Budget Rental then filed a claim with USAA in 10/2022, a full 6 months later. It was blatantly fraudulent...
I returned a perfectly good rental van to Budget Rental during the summer, but they damaged it sometime afterwards. It was not even a small damage: there were dents all along the driver side door, the sliding door panel, and the trunk door. It was something that would not have been missed, if I returned the van in that condition. However, Budget Rental then filed a claim with USAA in 10/2022, a full 6 months later. It was blatantly fraudulent. After what I consider useless perfunctory online investigating, USAA just decided to just pay them off, and I am stuck with a higher insurance premium. USAA is a totally different insurance company from when I joined 40 years ago. Pretty disappointing.
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