Company Overview: In 1922, 25 United States Army officers formed a mutual agreement to insure each others' vehicles when no one else would, and USAA was born. Today, the company is still privately held, and one must be a member of the U.S. military (including Academy students, and members of ROTC) or the spouse, widow, former spouse or grown child of such a member, in order to qualify. Veterans and retired personnel must have been honorably separated from service.
Coverage began with auto insurance, but the company now offers homeowners coverage, life insurance, and banking services, as well. Financial service products (credit cards, CDs) and life insurance are available to the general public.
Auto Insurance Products: USAA only offers private passenger auto insurance, but it has special programs for teen drivers, and an array of discounts including special pricing for family policies, stored vehicles (while serving away from home), new cars (less than three years old) and being a loyal customer.
Customer Service: Customer service is accessed by members only, with a login/password or by phone. Numbers are available on the corporate website (USAA.com), but email is only available to registered members.
Consumer Satisfaction: USAA is not a BBB-accredited company, but it has received an A+ rating, nevertheless. Consumer reviews are mostly favorable, with Viewpoints.com members giving the company 4.53 out of 5 stars and 89% of them willing to recommend the company to others. Because the customer base is so exclusive, USAA has the ability to focus on specific kinds of needs.
Connectivity: Even without a login, the USAA website has comprehensive overviews of all of its products and services. For contact beyond the 800 number, a login is required, but members can do almost all of their policy maintenance and claims monitoring online.
Is there an app for that? The USAA Mobile smartphone app is free, and allows claims filing as well as a variety of other account options.
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