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re: Does USAA have better insurance rates and service, generally speaking?
Posted on 4/28/26 at 2:03 pm to CatfishJohn
Posted on 4/28/26 at 2:03 pm to CatfishJohn
Had them for 10 years for home and auto. Finally left them and paid half of what I paid yearly to them. Tried to make 1 claim with them when our garage got broken into and were completely worthless. They don’t want to do business in Louisiana so they put their rates through the roof
1
Posted on 4/28/26 at 2:15 pm to CatfishJohn
IME - auto rates suck I’ve tried multiple times but they can’t beat my current rate.
Home insurance though - they actually were the best by far. I have a 10 year old roof with 50 year shingles and they were the only insurer that considered that.
Home insurance though - they actually were the best by far. I have a 10 year old roof with 50 year shingles and they were the only insurer that considered that.
Posted on 4/28/26 at 2:18 pm to toddg
quote:
They don’t want to do business in Louisiana so they put their rates through the roof
that's exactly why I fired them, they tried to jack up my rates(was living in La. at the time,) after hurricane Andrew, when I asked about it they came right out and said it was to subsidize the payouts in Fl
Posted on 4/28/26 at 2:24 pm to 777Tiger
I have had them since I started driving under my dad and Grandad (naval officer).
As an adult, I have never had an auto or home owners or rental property claim with them (knock on wood). I left them for homeowners for a little while, but came back in the past 5 years or so. Their rates on the homes (personal and rentals) is WAY less than the quotes I was getting. Bundling everything (auto, homeowners, rental properties) and having a somewhat newer roof on most of them helped drive the cost down on all of the policies.
As an adult, I have never had an auto or home owners or rental property claim with them (knock on wood). I left them for homeowners for a little while, but came back in the past 5 years or so. Their rates on the homes (personal and rentals) is WAY less than the quotes I was getting. Bundling everything (auto, homeowners, rental properties) and having a somewhat newer roof on most of them helped drive the cost down on all of the policies.
Posted on 4/28/26 at 2:45 pm to Trout Bandit
quote:
Rates? No.
Service? In my experience, Yes.
This has been my experience, as well.
Posted on 4/28/26 at 2:54 pm to CatfishJohn
Used to have far better rates and impeccable service. Their rates are on par with everyone now and I have no idea about the service but it is probably off what it once was. Still a viable option probably.
Posted on 4/28/26 at 3:12 pm to AwgustaDawg
Just switched auto/HO and saved a couple of hundred, was with Shelter before. So far so good. Gonna open checking/savings account soon.
Posted on 4/28/26 at 3:37 pm to CatfishJohn
25 year member. I’ll just say it’s not what it used to be in terms of service. Complete hassle on a house claim. Hail damage. Come to find out they source those out to a 3rd party company that in no way has the same service culture I’m used to with them.
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