USAA members

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How does USAA stack up against its competition in terms of price with regard to auto and homeowners insurance?

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I can't speak for Homeowners, because I haven't got a quote yet, but their Auto rate absolutely sucked compared to what I have now(Progressive). As far as checking and Savings, I am very satisfied.

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How is the online checking page?

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Actually haven't gotten that far ... just set mine up and I am waiting for my funds to be deposited from my local bank.

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user friendly?

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The whole web site is user friendly.

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Is it free to use or is there a monthly fee?

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Free. I signed up for the USAA Four Star Checking and Savings Account.

I've called their customer service twice. Absolutely excellent customer service. Friendly, knowledgeable and quick to respond.

I've gotten auto quotes from them years ago that sucked... about a yr ago i got another quote from them and it was great and I use them for my cars, but homeowners is still high.

I guess it all just depends...

I've had my homeowner's and auto with them for over 10 yrs. I've never had a problem with them. Of course, I have also not had a claim on homeowner's or auto for as long as I've been with them. Customer service is top notch. Anytime I do need info they take care of it.

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How does USAA stack up against its competition in terms of price with regard to auto and homeowners insurance?

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Solid company.
H/O runs a bit high. Auto rates for officers and spouses are excellent. For dependents or piggybacks (family of officers), not so much. Had USAA for years until the kids were driving and needed coverage too. Then a combined Allstate H/O and Auto policy was better.

I like their online bill pay and transfer setup. I've had no problems.

I've been with USAA for about 8 years and have slowly migrated all of my financial/insurance/investment accounts to USAA.

Banking is great: ATM fees are reimbursed up to $15/month, there is an iPhone/Blackberry app to deposit checks, the website is easy to use, their Mover's Advantage program is very nice, and the investment tools/advice are invaluable to a novice such as myself.

Insurance is fantastic: I have sometimes found rates a little better elsewhere, but the customer service and convenience of USAA made me stay put. They insure vehicles overseas, have accident forgiveness, and payout claims extremely quick. As somebody mentioned earlier, the rates are best for officers because only officers are full-fledged members of the co-op...my rates noticeably dropped once I commissioned.

I've got auto, home, flood and life with them right now. I know that when I closed on my house, my mortgage broker signed me up with American National (he forgot to ask me about H/O and there's an Am Nat office right next door), and it was about $100 per year different than my USAA policy. I also just called USAA one day to ask them a question, and we ended up reviewing all of my policies and finding out I was over insured on my house (my fault), so they saved me some money there as well. Also don't forget about the year end "dividends" that they send out to all their auto insurance customers. When my parents had 5 drivers and 4 cars insured with them, they got almost $1,000 back. This last year, I got $100 back, which I thought was great.

I've filed 1 claim with them and we had no problems at all getting it taken care of.

All in all, USAA is and and in my book.

ETA- I just found out they are now offering Health Insurance through Assurant. The quote they gave me didn't beat what I have with BCBS, but it's something worth looking into as well if you have an individual policy.