Car insurance is one of the necessities of life. While car insurance policies can vary greatly in price, they all protect drivers and their vehicles from accidents, theft, and other unforeseen incidents. When it comes to car insurance, homeowners and military members can take advantage of the benefits offered by United Services Automobile Association (USAA) car insurance.
What is USAA Car Insurance?
USAA is an insurance and financial services company that primarily serves military members, veterans, and their families. USAA offers car insurance policies, including liability coverage, collision coverage, comprehensive coverage, and more. USAA car insurance provides a range of discounts depending on your driving history, age, and other factors.
USAA was founded in 1922 by a group of Army officers who wanted to insure each other’s vehicles. Over the years, the company has expanded its offerings to include a variety of financial services, including banking, investment, and retirement planning products.
Is USAA Car Insurance Available to Everyone?
No. USAA car insurance is only available to active-duty military members, veterans, and their families. In order to be eligible for USAA car insurance, you must be one of the following:
- An active-duty member of the U.S. military
- An honorably discharged veteran
- A spouse, widow, or widower of a military member or veteran
- A child of a military member or veteran
How to Get a USAA Car Insurance Quote?
If you are eligible for USAA car insurance, you can easily get a quote online or by phone. To get a quote online, you must visit the official USAA website and fill out a form about your vehicle, driving history, and personal information. After submitting the form, you will be given a quote for your policy.
If you prefer to get a quote by phone, you can call USAA’s customer service department at 1-800-531-8722. A representative will ask you about your vehicle, driving history, and personal information to provide you with a quote.
USAA Car Insurance Coverage Options
USAA car insurance offers a variety of coverage options to meet the needs of military members and their families. Here are some of the coverage options offered by USAA:
Liability Coverage
Liability coverage is required by law in most states. This coverage pays for damages and injuries you cause to other people and their property. If you are at fault in an accident, liability coverage will cover the cost of repairing any damage to the other person’s vehicle, as well as any medical bills incurred by the other driver or passengers.
Collision Coverage
Collision coverage pays for damages to your vehicle if you are involved in an accident. This coverage is usually required if you are financing or leasing your car. Collision coverage can cover the cost of repairing or replacing your vehicle, up to the policy limit.
Comprehensive Coverage
Comprehensive coverage pays for damages to your vehicle that are not caused by an accident. This can include theft, vandalism, and natural disasters such as floods or hailstorms. Comprehensive coverage can also cover the cost of replacing your vehicle if it is stolen.
Personal Injury Protection
Personal injury protection (PIP) covers medical expenses if you or your passengers are injured in an accident. PIP can also cover lost wages if you are unable to work due to injuries sustained in an accident.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage provides protection if you are involved in an accident with a driver who does not have insurance or does not have enough insurance to cover the cost of damages and injuries.
USAA Car Insurance Discounts
USAA car insurance offers a variety of discounts to help military members and their families save money on their car insurance policies. Here are some of the discounts offered by USAA:
Safe Driver Discount
If you have had no accidents or traffic violations in the last five years, you may be eligible for a safe driver discount. This discount can save you up to 10% on your policy.
Multi-Vehicle Discount
If you insure more than one vehicle with USAA, you may be eligible for a multi-vehicle discount. This discount can save you up to 10% on your policy.
Good Student Discount
If you are a full-time student with a GPA of 3.0 or higher, you may be eligible for a good student discount. This discount can save you up to 10% on your policy.
Military Installation Discount
If you live on a military installation, you may be eligible for a military installation discount. This discount can save you up to 15% on your policy.
Vehicle Storage Discount
If you store your vehicle on a military base while you are deployed, you may be eligible for a vehicle storage discount. This discount can save you up to 60% on your policy.
FAQ
What is the Average Cost of a USAA Car Insurance Policy?
The cost of a USAA car insurance policy depends on a variety of factors, including your driving history, the type of vehicle you drive, and your location. However, USAA car insurance policies are generally considered to be affordable compared to other insurance providers.
How Does USAA Car Insurance Compare to Other Insurance Providers?
USAA car insurance is generally considered to be one of the best insurance providers for military members and their families. USAA offers a range of discounts and coverage options that are tailored to meet the needs of military personnel. Additionally, USAA has received high ratings for customer satisfaction and financial stability from several rating agencies.
What Do I Need to Get a USAA Car Insurance Quote?
To get a USAA car insurance quote, you will need to provide some basic information about yourself and your vehicle. This includes your name, address, social security number, and information about your driving history and the vehicle you want to insure.
Can I Bundle Other Types of Insurance with My USAA Car Insurance Policy?
Yes. USAA offers a variety of insurance products, including homeowners insurance, renters insurance, and life insurance. You can bundle these products with your car insurance policy to save money on your premiums.
How Can I File a Claim with USAA Car Insurance?
If you need to file a claim with USAA car insurance, you can do so online or by phone. To file a claim online, you can log in to your USAA account and follow the instructions provided. To file a claim by phone, you can call USAA’s claims department at 1-800-531-8722.
What Happens If I Need Roadside Assistance?
If you need roadside assistance, you can call USAA’s roadside assistance department at 1-800-531-8555. USAA offers a range of services, including towing, flat tire changes, and jump-starts. Some USAA car insurance policies also include roadside assistance coverage.
Conclusion
USAA car insurance is a great option for military members, veterans, and their families. USAA offers a range of coverage options and discounts that are tailored to meet the needs of military personnel. If you are eligible for USAA car insurance, you can easily get a quote online or by phone. With USAA car insurance, you can have peace of mind knowing you are protected on the road.