Who Recently Left USAA???

JetmechF16

Under Pressure
Established Member
Premium Member
Top Shelf Gentlemen
Joined
Sep 14, 2006
Messages
3,980
Location
Huffman, TX
I'm about to switch to Costco insurance.

I just ran a quote with them (Ameriprise) and it came back at $1018 /6 months for full coverage on my truck and wife's Infiniti and Comprehensive on my Cobra. Towing included on all 3 and rental reimbursement on 2. USAA is $1260 for less coverage and just a storage policy on my Cobra. I'll be getting homeowner's quotes through them too.
 

Coz

Active Member
Established Member
Premium Member
Joined
Feb 25, 2017
Messages
429
Location
Philly Metro Area
Just saw on Costco site that Ameriprise (Costco partner) recently sold their business to American Family Insurance.

upload_2019-5-10_1-3-4.png


Ameriprise Financial Announces Agreement to Sell Auto & Home Business to American Family Insurance for $1.05 Billion | Ameriprise Newsroom
 

svtfocus2cobra

Opprimere, Velocitas, Violentia Operandi
Established Member
Joined
Sep 24, 2004
Messages
26,222
Location
Washington
I didn’t read everyone’s responses but here’s my .02 cents as someone in collision repair that has a direct repair program with about every major insurance company. USAA on average has better parts usage rules starting out with all OEM parts for all vehicles 2 years old or newer from the production date, and from there when they do utilize aftermarket parts they are much better quality selection then their counter parts selection specially with Geico. As far as I see they go out of their way to take care of their customers where many other companies fall short.

Just my opinion but if it weren’t for the fact I get dirt cheap rates through Allstate and I work in a shop so I utilize stuff at cost, I’d either have USAA or Erie insurance, then Travelers, State Farm and so on. Geico would be bottom of my list, you get what you pay for.

I agree with a lot of this being from the same background in collision. From my experience though, most of the companies operate on that 2 year rule, but you are right in that USAA goes about it better than most. I'm not with you on the Geico claim though. From my experience they have always been one of the best when it comes to how they treat their customers and the shops when you work with them on a claim. Maybe it is the adjusters they have in my area but they are usually always prior shop techs or estimators so they are experienced and get the process. State Farm adjusters however would often show up and then have me go out there with them so I could write the car for them because they had no idea what they were doing. At least it was usually an attractive woman they had doing it. My brother switched from State Farm to Geico which should say something since he is likely the foremost expert on insurance policies in this state, but obviously each state has different rules and laws so it doesn't apply the same everywhere. Safeco is another terrible one, not to mention General Insurance and Mercury. They are bottom of the barrel imo.
 

My94GT

Well-Known Member
Established Member
Joined
Jun 7, 2007
Messages
8,685
Location
woodbine, MD
I agree with a lot of this being from the same background in collision. From my experience though, most of the companies operate on that 2 year rule, but you are right in that USAA goes about it better than most. I'm not with you on the Geico claim though. From my experience they have always been one of the best when it comes to how they treat their customers and the shops when you work with them on a claim. Maybe it is the adjusters they have in my area but they are usually always prior shop techs or estimators so they are experienced and get the process. State Farm adjusters however would often show up and then have me go out there with them so I could write the car for them because they had no idea what they were doing. At least it was usually an attractive woman they had doing it. My brother switched from State Farm to Geico which should say something since he is likely the foremost expert on insurance policies in this state, but obviously each state has different rules and laws so it doesn't apply the same everywhere. Safeco is another terrible one, not to mention General Insurance and Mercury. They are bottom of the barrel imo.
My biggest problem with Geico is their parts usage as they will use straight value line aftermarket panels. I have less problems with them outside of their DRP network but I’ve been in a few ARX shops over the years and the pressure felt to have corners cut to save severity is pathetic.
 

svtfocus2cobra

Opprimere, Velocitas, Violentia Operandi
Established Member
Joined
Sep 24, 2004
Messages
26,222
Location
Washington
My biggest problem with Geico is their parts usage as they will use straight value line aftermarket panels. I have less problems with them outside of their DRP network but I’ve been in a few ARX shops over the years and the pressure felt to have corners cut to save severity is pathetic.

I never ran into that with them. They operated like most where we used either OEM or Keystone aftermarket at the least for the most part, and the adjuster were easy to deal with in that I could talk them into switching a part to OEM if it made sense.
 

blackfang

Well-Known Member
Established Member
Joined
Apr 9, 2002
Messages
3,210
Location
Virginia
Weird. First ever I've heard people bitch about USAA.

Their customer service is unsurpassed and you can't beat their car insurance.

Homeowners tends to be higher, but antedotic experience shows that is because they are hassle free and generous with coverages.

I pay $1200 a year full coverage on a Cobra, Tacoma and G55 with $500 deductibles.
For the most part they are very good from what I hear. I had them from 1999 until sometime in 2002. Then one day I found out my drivers license was suspended for failure to have car insurance. WTF, I paid my policy every 6 months. Well come to find out Virginia did a random check and USAA reported I did not have an active policy on such and such a date. Funny that date was within my policy period. Once I verified with DMV that I had coverage, and paid the re-reinstatement fee, I got my DL back. I asked USAA what happened and when they could not give me an answer. Ok it happens, so I asked if they could at least credit me the cost I paid of the reinstatement on my next renewal as I was coming up on it for my troubles. For what ever reason they could not do that. So I shopped for insurance and that same day I dropped them. I had them for 4 years and they lost me over $100.
 

jmsa540

Well-Known Member
Established Member
Joined
Dec 17, 2009
Messages
3,470
Location
Fort Benning, GA
For the most part they are very good from what I hear. I had them from 1999 until sometime in 2002. Then one day I found out my drivers license was suspended for failure to have car insurance. WTF, I paid my policy every 6 months. Well come to find out Virginia did a random check and USAA reported I did not have an active policy on such and such a date. Funny that date was within my policy period. Once I verified with DMV that I had coverage, and paid the re-reinstatement fee, I got my DL back. I asked USAA what happened and when they could not give me an answer. Ok it happens, so I asked if they could at least credit me the cost I paid of the reinstatement on my next renewal as I was coming up on it for my troubles. For what ever reason they could not do that. So I shopped for insurance and that same day I dropped them. I had them for 4 years and they lost me over $100.
Dude...

Sent from my SM-G892A using the svtperformance.com mobile app
 

ssj4sadie

Well-Known Member
Established Member
Premium Member
Joined
Nov 19, 2001
Messages
9,181
Location
San Antonio, TX
Hmmm appears I’m getting super ****ed here. $345/mo for my Raptor and XSport. Time to shop around. Costco is just too damn far to make use of the store. But if I can save over the membership cost a year...
 

MarcSpaz

Resident Trouble Maker
Established Member
Joined
Nov 29, 2016
Messages
2,760
Location
Location: Location:
For the most part they are very good from what I hear. I had them from 1999 until sometime in 2002. Then one day I found out my drivers license was suspended for failure to have car insurance. WTF, I paid my policy every 6 months. Well come to find out Virginia did a random check and USAA reported I did not have an active policy on such and such a date. Funny that date was within my policy period. Once I verified with DMV that I had coverage, and paid the re-reinstatement fee, I got my DL back. I asked USAA what happened and when they could not give me an answer. Ok it happens, so I asked if they could at least credit me the cost I paid of the reinstatement on my next renewal as I was coming up on it for my troubles. For what ever reason they could not do that. So I shopped for insurance and that same day I dropped them. I had them for 4 years and they lost me over $100.

I had the same type problem with one of my cars. DMV said that they canceled my registration for one of my cars because USAA notified my lender that I canceled my policy for that vehicle.

I had to show the DMV my binder and receipts and fax a bunch of paperwork to the bank. Also spent hours on the phone with USAA trying to figure out what happened. They tried to say that I called and canceled my policy, which was completely BS.

Cost me $190 and I never got to the bottom of it. That was just 2 years ago.
 

ZYBORG

Let's roll..
Established Member
Premium Member
Joined
Feb 22, 2006
Messages
21,014
Location
TX/S.FL
Left USAA a few years back after noticing the rates creeping up and them wanting way too much to insure the ‘14 500. Switched over to Geico and saved about 40%. Couldn’t believe it. I still do banking with USAA, but only based on ease of banking. Should switch that too, as they (as an organization) were not there when needed.

Definitely look elsewhere, OP.
 

GOTSVT?

This Is Absolution
Established Member
Joined
Mar 16, 2006
Messages
13,455
Location
1320
Well, looks like my rates are going up ALOT, for no reason. Time to start shopping around.
Those assbags
 

VenomVeins

Well-Known Member
Established Member
Joined
Dec 2, 2012
Messages
1,713
Location
San Diego, CA
I'm about to switch to Costco insurance.
Great move.

Been with Costco insurance (Ameriprise) for 5 years now with auto/home and its gone DOWN year by year due to the mileage i drive.

I shop them against all competition (geicko, allstate, farmers, USAA) and they remain much cheaper.

Here’s the catch with them though-if you have a clean driving record, they are low as hell and stay that way.

My friends daughter got a speeding ticket and didnt listen to dad and do traffic school-his rates skyrocketed about 40%.

As long as you keep your record clean, Costco insurance rules.
 

Corbic

Well-Known Member
Established Member
Premium Member
Joined
Apr 14, 2015
Messages
10,925
Location
Desert Oasis
Surprising to see the problems and disappointment.

I've been with USAA, have had two accidents in 18 years and no rate increases. I've called for other auto quotes and fell out of my chair.

I'm paying like $1500 a year for a Scatpack, Cobra, Pacifica, and Tacoma for two drivers.

Home owners, meh, never had a claim, it seems to go. Up $10-15 every year, I'm now at $1000/yr but I called SF one time and they suggested $1,500... Sooo
 

RunninHorse

Active Member
Established Member
Joined
Feb 15, 2020
Messages
112
Location
San Antonio, Texas
I'm surprised too. We've had USAA about 25 years and it's always been great. Same for my parents.

It helps to have multiple products through USAA. They'll give auto insurance discounts for that. Multi car discounts too. We have 5 covered currently.
 
Last edited:

03Sssnake

TK-421
Established Member
Joined
Dec 9, 2002
Messages
40,146
Location
not at my post...
It really depends on the city/area you’re in....living in the Houston area doesn’t help anyone’s rates. I still use USAA for some banking, loans etc, but will probably never use them for insurance again. They won’t even write home insurance policies for this area. Do to hurricanes, flooding etc...
 

SID297

OWNER/ADMIN
Administrator
Joined
Mar 27, 2003
Messages
55,703
Location
Myrtle Beach, SC
Great move.

Been with Costco insurance (Ameriprise) for 5 years now with auto/home and its gone DOWN year by year due to the mileage i drive.

I shop them against all competition (geicko, allstate, farmers, USAA) and they remain much cheaper.

Here’s the catch with them though-if you have a clean driving record, they are low as hell and stay that way.

My friends daughter got a speeding ticket and didnt listen to dad and do traffic school-his rates skyrocketed about 40%.

As long as you keep your record clean, Costco insurance rules.

I have to wait a few more months before I can make the switch. I had a claim about 2.75 years ago, and it has to be 3 years since your last claim before they'll even talk to you. Sad thing is that it was not an at-fault accident, it was a tire blowout.
 

Users who are viewing this thread



Top