USAA is a well-known provider of automobile insurance for military members and their families. Over the years, USAA has built a reputation for its exceptional customer service, competitive rates, and robust coverage options. If you are in the market for automobile insurance, this guide will provide you with everything you need to know about USAA, including their policies, rates, and customer service.
USAA Automobile Insurance Policies
USAA offers a variety of automobile insurance policies, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. Liability coverage is mandatory in most states, and it covers the cost of damage or injury that you cause to other drivers or their vehicles. Collision coverage provides protection for your own vehicle if you are involved in an accident, while comprehensive coverage covers damage or loss due to non-collision incidents such as theft or weather-related damage.
One of the standout features of USAA automobile insurance is their uninsured/underinsured motorist coverage. This policy provides protection in the event that you are involved in an accident with a driver who is either uninsured or does not have enough insurance to cover the damage. This coverage is especially important for military members who may be stationed in areas with higher rates of uninsured drivers.
Liability Coverage
USAA offers liability coverage in order to protect you from financial loss in the event of an accident where you are at fault. This type of coverage provides protection for property damage and bodily injury, and it is mandatory in most states. USAA offers liability coverage up to $500,000, which is higher than the minimum required in most states.
In addition to basic liability coverage, USAA offers several other liability coverage options, including:
Liability Coverage Options |
Description |
|---|---|
Bodily Injury Liability |
Covers medical expenses, lost wages, and pain and suffering of other drivers and passengers in the event of an accident where you are at fault. |
Property Damage Liability |
Covers damage to other drivers’ vehicles, as well as buildings, structures, and other property that may be damaged as a result of an accident where you are at fault. |
Personal Injury Protection (PIP) |
Covers medical expenses, lost wages, and other related expenses for you and your passengers in the event of an accident, regardless of who is at fault. |
Collision Coverage
Collision coverage is designed to provide protection for your vehicle in the event of an accident where you are at fault. This coverage pays for the cost of repairs or replacement of your vehicle, up to the policy limit.
USAA offers several collision coverage options, including:
Collision Coverage Options |
Description |
|---|---|
Standard Collision |
Covers the cost of repairs or replacement of your vehicle in the event of an accident, up to the policy limit. |
Towing and Labor Coverage |
Covers the cost of towing and labor services in the event of a covered accident. |
Rental Reimbursement |
Covers the cost of a rental vehicle while your own vehicle is being repaired or replaced due to a covered accident. |
Comprehensive Coverage
Comprehensive coverage provides protection for your vehicle in the event of non-collision incidents, such as theft or weather-related damage. This type of coverage is important for military members who may be stationed in areas with higher rates of vehicle theft or natural disasters.
USAA offers several comprehensive coverage options, including:
Comprehensive Coverage Options |
Description |
|---|---|
Standard Comprehensive |
Covers the cost of repairs or replacement of your vehicle due to non-collision incidents, up to the policy limit. |
Glass Coverage |
Covers the cost of repairs or replacement of your vehicle’s glass, such as windshields or windows. |
Rental Reimbursement |
Covers the cost of a rental vehicle while your own vehicle is being repaired or replaced due to a covered incident. |
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage is designed to provide protection for you and your passengers in the event of an accident with a driver who is either uninsured or does not have enough insurance to cover the damage. This coverage is especially important for military members who may be stationed in areas with higher rates of uninsured drivers.
USAA offers several uninsured/underinsured motorist coverage options, including:
Uninsured/Underinsured Motorist Coverage Options |
Description |
|---|---|
Property Damage Liability |
Covers damage to your vehicle in the event of an accident with an uninsured or underinsured driver. |
Bodily Injury Liability |
Covers medical expenses, lost wages, and pain and suffering for you and your passengers in the event of an accident with an uninsured or underinsured driver. |
USAA Automobile Insurance Rates
USAA automobile insurance rates are competitive with other top providers. The actual cost of your policy will depend on several factors, including your driving history, your age, your location, and the type of vehicle you drive.
One of the standout features of USAA automobile insurance is their SafePilot program. This program offers discounts to drivers who demonstrate safe driving habits, such as avoiding distracted driving and obeying traffic laws. Additionally, USAA offers discounts for military service members, including those who have recently returned from deployment.
To get a quote for USAA automobile insurance, you can visit their website and fill out a form with your personal information and vehicle details. This process only takes a few minutes, and you can get a quote online without having to speak to a representative.
USAA Automobile Insurance Customer Service
USAA is well-known for their exceptional customer service. They offer several options for customer support, including phone, email, and online chat. Additionally, they have a 24/7 claims service, so you can file a claim at any time, day or night.
USAA also offers a mobile app that allows you to view your policy information, pay your bill, and file a claim from your smartphone or tablet. This app is available for iOS and Android devices.
USAA Automobile Insurance FAQ
How do I file a claim with USAA automobile insurance?
You can file a claim with USAA automobile insurance by calling their claims service phone number or by using their mobile app. You will need to provide details about the accident, including the date and location, as well as information about any other drivers or vehicles involved. Once your claim is filed, a representative will be in touch with you to guide you through the process.
What discounts are available with USAA automobile insurance?
USAA offers several discounts, including SafePilot discounts for drivers who demonstrate safe driving habits, as well as military discounts for service members and their families.
What makes USAA automobile insurance different from other providers?
USAA automobile insurance is designed specifically for military members and their families, which means that they offer unique coverage options and discounts that are not available with other providers. Additionally, USAA is known for their exceptional customer service, and they have a long-standing reputation for putting their customers first.
How do I get a quote for USAA automobile insurance?
You can get a quote for USAA automobile insurance by visiting their website and filling out a form with your personal and vehicle information. This process only takes a few minutes, and you can get a quote online without having to speak to a representative.
What types of coverage does USAA automobile insurance offer?
USAA automobile insurance offers several types of coverage, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. They also offer several additional coverage options, such as personal injury protection and towing and labor coverage.
Is USAA automobile insurance available to non-military members?
No, USAA automobile insurance is only available to military members and their families. In order to be eligible for USAA automobile insurance, you must be an active-duty or retired military member, or you must be the spouse or child of a military member.
Conclusion
If you are a military member or the spouse or child of a military member, USAA automobile insurance is a great option for your insurance needs. With competitive rates, robust coverage options, and exceptional customer service, USAA has built a reputation for being one of the top providers of automobile insurance for military families. If you are in the market for automobile insurance, be sure to get a quote from USAA and see what they can do for you.