is USAA Insurance Good Anymore? Full Company Review 

USAA's tow service is maybe a couple bux a month........But.......As the old saying goes, the cheap comes out expensive. AAA is far superior for that.

Perhaps spoke to the third party that handles the roadside calls.

I'm so sorry you went through that....I'm currently in training as a 3rd party contractor for USSA and we just went through this lesson, and again I'm so sorry your family experienced this.

@@greenatlmom This is what I learned through my ongoing property claim experience.....Apparently, their "partner" contractors become their "adjuster". Make sure you do the USAA CUSTOMER the right thing and be accurate on all your estimates! TY!

linda30168 You think that is bad? Not compared to aspects of my property claim. Could things have been done alot better. You betcha!

I agree 100% with you Kathleen. I was a USAA member for many years and recently switched. No accident for 20+ years. I recently damaged my car because there was a large pot hole and my front bumper cracked. The total cost to fix it was 1500 dollars and my deductible was 500 dollars. My premium went from 600 dollars (average) for full coverage to 1800 dollars every 6 months. They couldn't explain why it went so high despite having a clean driving record.

I would switch fast and don't look back stat farm has kept there nose clean 🧃

@@blahxdan6381 what company did you switch to?

@@BadSneakers I switched to Geico. I’ve also bundled my home insurance with it. Who are you thinking about going with?

@@blahxdan6381 I have USAA, no problems w them but I’ve had no claims. And their premiums were by far the lowest- if I remember correctly, Geico was one of the highest.

File with your state insurance board and BBB even if it was a while ago… they are so lame. I have only gotten results after filing with BBB. They have an advocacy team … although they do not advocate well… it is a latch ditch effort.

What’s crazy about that is I just switched from progressive last week to USAA and saved over $100 a month on auto and a little over $500 a year on home.

@@Remi-bt7tp u got usaa?

U got usaa?

@@creatme6101 exactly I don’t believe that, at this point and time USAA isn’t saving anybody anything

Oh my God please do not use progressive they are horrible. I've been with them for over 20 years. They kept passing me around to different agents for 8 months then denied my damage claim saying it "appeared" be caused by wear and tear even though I had a police report.

I'm going exactly that route very soon. I know exactly where you're coming from.

@@jesuswong5119 Me too!

There coverage is excellent for the money; i canceled my other bank account, i do all with USAA, banking, insurance, home bundle. Way better than with other companies for me in coverage and costs.

Don’t, they are the worst in terms of customer service. If you ever need help or file a claim, forget it with them!

@@MicklowFilms And I have been with them for 10 years and the customer service has been great. I’m on the east coast .

They did that to me I drove less then 1,000 ,then they changed it to 15,000, I called them up and made them change it back, they did

I just started with them -- they definitely throw you in as a 'trial by fire' as an agent.

My husband. Army Lt. Col. Ret. . 40 years with them. They were great. Now they are horrible.

@@brendachilders4879 I know, it's heartbreaking, they were the gold standard once.

Hi thanks for your comment! My family just realized we can get USAA insurance. We are in California as well. I know it's been a while since your comment, but would you still recommend for Auto and banking?

@@jjauger96 I live in Southern California. I have auto insurance, banking and umbrella insurance but not homeowner/earthquake insurance.

... then Dependents and now ads for Veterans!?

They increased mine by 700 last year

Yup I just stopped working there and worked there for the last 5 years. And I can confirm the culture is so terrible and employees are so stressed and disgruntled. I was in the hospital with COVID last year, hardly able to breathe and I was actually thankful that I wasn’t at work because it’s been so damaging to my psyche. The day I stopped working for them it was a revelation at how happy I could actually be and I’m sad that I stuck it out for so long and made myself miserable for years. I can count the good days I had in five years on two hands.

@@TheComicBookLowdown Yep and if u have to answer phones there, you are STUCK, you are not getting off them. It took me 17 years to learn that lesson.

@@rawn4203 yup you’re absolutely correct, I was on the phones and I volunteered for all kinds of POC roles to improve my “shadow” or imprint so I would be more visible for promotions, I kept high sales metrics, 100% compliance, and 100% msat scores and I could never even get a schedule change preference approved let alone would anyone truly consider me for higher role. I had one interview for RS position where they told me they loved my interview but because they didn’t know me that well (as in I didn’t network with them enough) they went with someone else. I’m not even bitter about not being promoted but that all the work I was doing wasn’t recognized because I wasn’t kidding their asses enough and they essentially admitted that. And that was the same situation a lot of my colleagues complained about.

@@TheComicBookLowdown Yeah I started in policy services (lets be blunt - SALES) in 2004, had to interview 4+ times to get into auto claims to get away from the sales (which they still did but to a much less degree than in PS).Started in claims in 2013 and then tried moving up to Bodily Injury in 2016-17. Once again had to interview 4+ times and never got it. Maybe I sucked at interviewing but I know I had at least one interview that I felt I knocked off their sox but got rejected. I tried taking every insurance course under the sun to separate myself from the pack. I even saw someone I TRAINED go into Bodily injury. Finally at the end of last year I got a a job at another company that was much less phone intense working in subrogation. My mistake was I wanted to give them one week notice and have my last day be 1/3/22 so I could 1) get new years day pay 2) not dump 100+ claims on my already overworked colleagues 3) be eligible for insurance for January since it wouldnt kick in until 2/1/22 at my new job and 4) Be eligible for the (constantly decreasing) bonus. Well on 12/27/21 when I told USAA I was leaving they wanted me gone by the end of that day stating some rule that if you leave for a competitor you have to leave right away. To this day I am not sure they even have the right to ask me where I am going, but yeah I was honest with them so I lost all those things. USAA is real classy huh. I worked in the Phx AZ office and Ive heard unless u work in home office, promoting is next to impossible. I did have an interview in summer of 21 with an area in decision science that wouldnt have been a pay increase but at least would have been off the phones but obviously didnt get it. It was then I realized I had to find another job even if meant a pay cut which it did. But its well worth it. I had nitemares about working at USAA till I retired answering phones for so many more years just being a slave to them and their constantly ringing phones with no hopes of ever getting off them. At my job I have today, I take maybe 3 calls a DAY now and they average less than 10 minutes, dont work any OT (its ok I worked tons at USAA for years, I need the rest now.) I have regained my sanity. Shame on you USAA!!!!

@@rawn4203 I completely hear you out on your experience and yours is truly indicative of the common experience there. I’m glad you have your sanity back. I felt I got mine back after my last day as well I didn’t realize the extent of how miserable I was allowing myself to be until I left Usaa. I had a former colleague of mine tell me today that they are looking to downsize on more people yet the calls have been back to back non stop for the last few months. And I’m not even gonna get into all the fraudulent calls we had to take and serve even though we clearly knew them to be fraudulent and Usaa has horrible AML measures in place to protect people from that.

Lucky you! Did you ever have a large property claim?

@@kfoster3616 Yes, we had a fence get knocked down in a storm and USAA paid us enough to replace the fence within two weeks.

I know! I have USAA and went through them for an accident that was the other person’s fault. When I had Nationwide they worked for me, not against me! I never imagined this would be the case, and I am so disappointed! I am anxiously awaiting trying to do a third party claim with the other person’s insurance company. I know that is not normally recommended, and I will likely take a loss on an accident that was not even my son’s fault, but I don’t feel like anyone could possibly screw me over more than my own insurance company! USAA is the absolute worst!!!

sounds familiar! Took 4 days for just an adjuster from another state to contact me after I contacted customer service twice and LWTC on VM for the adjuster to call me as I had water coming in my home.....concerning a property storm claim That was 6 months ago.....

I know! I feel like having them is about the same as being uninsured. I am hopefully switching today, and I am thinking of walking to the new insurance company’s office because I won’t feel like I have any protection while driving on the road until I am insured by a competent insurance company. USAA will certainly not have my back!

Safeco

Get out before you have the misfortune of having a claim through them. I guess it is always possible that you could accidentally find something just as bad, but I don’t honestly believe you could possibly find anything worse than USAA.

@@juliemiller4763 This. Just had a "claim" and all they tried to do was "buy my car" and refuse to do anything else despite the fact that it's cheaper to repair the car *myself* and even if they give me a claim, it's not enough to buy a new car or even *start* payments towards a new car.

Just get out before is to late.

You're a paid agent or a USAA employee yourself. It's so obvious that you're pretending to be a customer. I don't have to show proof; the way you present your point says it all 🥴

@@bvillaflor5194 Dude, you are 100% wrong! I own my own business. I don't work for anyone! I have only had good experiences with USAA even with two claims this year. So far anyway. Why the hell would I come on here and lie? Just because you have a bad experience doesn't mean everyone has bad karma in their lives. Calm down.

@Laura Lou What state?

@GUS GARCIA Florida. I am serious, my office is next store to a Progressive Insurance store. People all over Florida are getting totally screwed tripling their premiums or canceled. If you can get accepted by USAA, I would get it and stay with it. Go for the best one. Good luck, Gus!

@@lauralou8352I will say this. USAA is far better than other insurance companies. I switched to Farmers a month ago from USAA and I need towing and labor. USAA would have paid way more than what farmers paid. I’m going back to USAA tomorrow. At least I know what I’m getting with them.

Those ads are typically the same companies but they’re trying to get you to fill out a quote. They sell your quote I go to multiple companies. I’m a big fan of not cutting coverage

I think that +20% is what they call car replacement assistance - can only buy it (I think) with both comprehensive and collision. And then if you care is totalled under either of those coverages, it gives you an extra 20% on the total loss payout. AS an example, your total loss is $8k. Then you get an additional 20% of that 8k on top of the 8k, IE your total settlement is $9600. Again it would not apply to a car you only have liability coverage on.

Charles Schwab bought them so what do you expect

Wow!..I live in a southern state/Arkansas..USAA goes up on my renewal house insurance policy every single year,it's getting ridiculous to the point where I have to shop around.

call them

For your sake, I hope the answer is no. They have the most incompetent claims department I have ever experienced. Nothing but headaches!

They did that because with older officers vs young Enlisted, the Risk Pool was less. That's why rental companies won't rent cars to those under 26.

especially when you call....and the damn "auto answer" is frustrating enough to deal with!!!! I hate having to call them! When you call, you get their antiquated ridiculous auto answer that seldom understands what you say so you repeat yourself over and over....followed by being put on hold and having to constantly listen to that moronic song! By the time the CSR finally picks up on the call I'm irritated. The only thing worse is dealing with my property claim adjuster!

40 years..... They have gotten horrible. So sad

I have read horror stories about trying to cancel with them. I think the only safe way to deal with a company such as USAA is to cancel your credit cards after canceling your service. They have no honor!

Auto pay works only if you authorize it.cancel auto pay and no money is sent also get a letter of cancellation.what sucks is no local offices only Texas .agents are home workers,jump thru hoops and agents are rude

Wish I had more thumbs up to give you!

I wish they had never let us join! Their claims department is horrible!

Progressive can afford to be cheaper because they don't pay their claims. Just ask me

USAA does not pay claims, nor do they even investigate them in the first place. They just keep telling me they can’t find the pictures we sent for an appraisal. The pictures are attached to the initial claim and their App, and we got correspondence that they received them. Then when we inquire about the status of our claim they say they can’t find the pictures. Their service is so utterly pathetic that I am just going to do a third party claim against the other driver through her insurance. It is not ideal, but I doubt anyone could screw me worse than my own garbage USAA insurance company!

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