USAA question...

[ip241au]

USAA is a business. Don't let them tell you otherwise. I have been a member for 28 years and I'm thinking of finding another carrier.

Mistakes on my policies, not really competitive loan rates, all paint a picture of just another insurance company. Shop around you will be surprised.

BTW, USAA monitors this forum and others to get a feel for what customers think about their service.

 

[Skimatic]

Consumer Reports, Clark Howard.com, etc are in love with USAA. I've been shopping around lately and finding better rates for homeowners/auto policies. I've been with them many years (40 ?). They have quibbled with me on three claims (home stuff) in 40 years. Not much money involved but I resented the hassle. I don't file false or immaterial claims, I have better things to do.

When my garage roof collapsed several years ago after a massive northeast snow storm, I didn't even want to put a claim in with them. My wife (who has worked in a state insurance department for 2 states as a regulator) took the ball and beat them over their heads. We got something.

You may want to consider Amica. I am looking at them hard for my next renewal. I was with them for 1 year and very pleased because guess what: somehow my entire file with USAA was "lost" and they "couldn't" renew me. Several months later they found my "file" and wanted me back. This and other administrative screw ups with their insurance and credit cards have prompted me to "look around".

 

[JimNtexas]

One nice thing about USAA is that every December you get a dividend check from them that represents your share of the profits, since USAA is a mutual insurance company.

When I had two teenage drivers on the policy this check was very large, on the order of ~$1K. Now that those drivers are out on their own its been running around $300-400. I have three cars, a house and some other miscellaneous policies from them.

 

[jonjuan]

I would hound you to your grave too if you borrowed money from me and signed a contract and then refused to pay it back.
It's a crime, plain and simple. Why is that so hard for some people to understand?

Completely agree. Some people are disgusting in regards to their personal obligations and commitments. What's even worse is the "well corporate America does it, so why shouldn't I" BS.

 

[RoughAir]

Correction to my post of Oct 18 about USAA selling my mortgage loan.

They sold it to GMAC not Bank of America. This was done about 45 days after I closed on it in Aug 2009.