USAA is the best-known financial services company that serves military families exclusively. And among the many services it offers is auto insurance, with some of the lowest rates and best customer service on the market.
Affordable Insurance Premiums
First and foremost, USAA has some of the most affordable insurance rates in the industry, with an average annual cost of car insurance of $1,151. And depending on your circumstances, your premium could be considerably lower. If you have a clean driving history, a good credit score, and other characteristics that make you a low-risk driver, your premium could be among the lowest in the country.
Highly Rated Customer Satisfaction
USAA is well known for its top-notch customer satisfaction. First, the company has the highest rating of any company in J.D. Power’s overall customer satisfaction study for the Southeast region. It has a rating of 886 out of 1,000, which is a full 10 points higher than the next-closest company and nearly 40 points higher than the national average.
Additionally, USAA has one of the top scores in J.D. Power’s claims satisfaction study, falling behind only Amica Mutual, NJM Insurance Co., and Erie Insurance. This score shows us that customers who have had to file auto claims with USAA have been pleased with their service.
Finally, USAA has fewer-than-average complaints for its auto insurance policies with the NAIC. The company has a complaint score of 0.85 compared to the index of 1.00.
Unique Savings Options
USAA offers many great ways for you to save on your insurance premium. Of course, USAA offers many of the discounts you’d find with any other insurer, including a discount for being a student with good grades, having a clean driving record, and bundling multiple policies.
But USAA also offers discount options unique to military members. For example, if you’re deployed and are storing your vehicle on a military installation, you could get up to 15 percent off your comprehensive coverage and up to 60 percent off your policy overall.
Next, USAA offers its SafePilot program, which allows you to save up to 30 percent on your policy. You’ll allow USAA to track your driving habits, including your braking and phone use, with the USAA SafePilot app. If you make safe driving choices, you can get a discount on your policy. No matter how safe a driver you are, you can get up to 10 percent off your policy just for signing up.
Finally, USAA allows you to save on car insurance through its pay-per-mile auto insurance, Noblr. Rather than paying a flat rate each month, you can pay based on the number of miles and how safely you actually drive. However, to enjoy this perk, you must enroll when you sign up for auto insurance.
Before you sign up for pay-per-mile coverage, make sure you drive few enough miles to make it worth it. If you drive too many miles, paying per mile could actually be more expensive than regular car insurance.