USAA provides competitive car insurance rates and provides other financial services at extremely competitive prices, and boasts impressive customer satisfaction and strength ratings compared to many competitors.
Joining USAA depends on several criteria, but qualifying is easy if you have military ties or family members who are currently members. Membership can even pass down through family generations.
Active Duty Military
USAA is a member-owned financial services and auto insurance provider for members of the military and their families, considered one of the top three military banks alongside Navy Federal Credit Union and PenFed. USAA stands out as being customer service focused with no ATM fees and free checking perks as special advantages for its members. They also provide competitive auto, life, home loan mortgage rates as well as offering home equity lines of credit (HELOCs).
USAA welcomes active duty and retired military members as members, in addition to cadets and midshipmen at U.S. military academies, officer candidates enrolled in commissioning programs, their spouses, widows or children as potential newcomers to membership – these family members must have direct descendent status of a servicemember/veteran for eligibility for USAA auto and home insurance policies.
USAA provides members with numerous perks, such as discounted car insurance, free checking with no ATM fees and exclusive military savings discounts. In addition, USAA boasts an expansive online banking platform and mobile app for members.
Members are entitled to special benefits as members, such as free health care at military installations and access to military commissaries, theaters, restaurants and shopping opportunities. Furthermore, active-duty service members and their families may qualify for affordable life insurance policies.
USAA provides car, home and life insurance policies as well as term and whole life coverage options for customers interested in insuring with them. To find out more information regarding eligibility criteria and rates visit their website.
Consumer reports and other publications consistently rank USAA among the best car insurers, thanks to its low rates, comprehensive coverage and outstanding customer service. Military families tend to prefer USAA due to its affordable rates and great customer care; those not eligible can still find affordable coverage elsewhere with competitive rates and discounts; follow these tips and you may just find what you need!
Retired Military
USAA provides car, home, life and banking products to military members, veterans and their families. As a full-service financial company with exceptional customer satisfaction ratings from AM Best and J.D. Power.
USAA prides itself on offering service member-driven business models, evidenced by its low complaint ratio and high retention rates, with outstanding pricing even with higher-than-average rates in some states. USAA serves its members through checking and savings accounts; credit cards; loans (VA, mortgages and auto); investments and retirement products; checking deposit money market accounts and gift cards – providing one stop shopping financial solutions!
Retired military members who received either an honorable or general discharge from active service are welcome to join USAA after being discharged, receiving auto insurance benefits at reduced rates as well as roadside assistance coverage that includes towing, lockouts, jump-starts and fuel deliveries – an especially useful benefit in areas with higher crime or long commute times.
USAA may have limited membership numbers, yet they remain industry leaders when it comes to outstanding customer service and competitive car insurance rates. Furthermore, USAA provides discounts for travel, home products, car care products, retail goods and health services as well as their pay-as-you-drive auto insurance program, SafePilot which uses smart phone technology to monitor driving behavior and reward it accordingly.
USAA provides more than just car insurance – their insurance offerings span home, mobile home, condo, rental property, umbrella and valuable personal property policies as well as small business professional liability, cyber and surety bond coverage; disability and Medicare protection coverage and financial services such as savings accounts and checking accounts; retirement products; mortgage loans; and credit cards.
Non-military personnel with strong ties to the military community can become USAA members by marrying either an active-duty member, marrying an ex-military member, adopting one who is already a USAA member, or becoming the stepchild of one who already is one. Please be aware that USAA membership rules do not extend to grandparents, aunts and uncles, brothers and sisters or in-laws of USAA members.
Spouses
USAA provides a car insurance add-on that provides towing, jump-starts and fuel deliveries in case of an accident. This service is available 24/7 and can be purchased alongside home and auto policies – although customers have expressed mixed opinions regarding this product.
Individuals eligible for USAA membership include current and retired military personnel, cadets and midshipmen at U.S. service academies, their families and spouses (including stepchildren) of members, as well as National Guard/Reserve officers/enlisted personnel as well as officer candidates in commissioning programs enrolled in commissioning programs enrolled as officers; spouses ( including stepchildren ) and children of members may also become members – however posthumously acquired membership cannot be obtained via deceased parents.
The company provides many perks and discounts across both home and auto policies, such as loyalty member discounts that reward drivers with good driving records for five years; an accident forgiveness option helps save members money by keeping rates from increasing after an incident; as well as special promotions on specific insurance products like travel insurance policies.
USAA enjoys an excellent reputation in the insurance industry and their customer service ranks highly; however, many Reddit users who reviewed USAA car insurance have commented about higher premiums compared to competitors.
Children
If a deceased spouse was a USAA member, their children can apply to join posthumously if their deceased is no longer alive; siblings do not qualify to join and parents cannot establish membership through their children. While most customers have had positive experiences with USAA, there have been some negative reviews posted to Reddit; most commonly complaints are about high premiums and poor customer service; it should be noted however, that USAA was ranked top among all insurance providers in JD Power 2022 U.S. Auto Insurance Study; additionally its Roadside Assistance can help cover costs related to accidents or breakdowns, helping customers keep moving in case of unexpected expenses;