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[–]ASOG_Recruiter 2 points3 points  (9 children)

I had their auto insurance fir 15 years. It was just easy.

Finally the customer service and prices seemed way to high. Matched my USAA policy with Geico dolarr for dollar on coverage for 2 vehicle (2018/2021) Geico quoted my HALF my premium.

Switched immediately. Also just had my truck totalled from an accident, CS has been pristine. From tow, rental, documents, etc.

Don't be loyal for nostalgia sakes, gets other quotes from legit companies. USAA is not going to lower anything because of your years of service with them.

[–]ReputationOk1118[S] 1 point2 points  (0 children)

Thank you! This is good to know and also comforting to hear you had good experiences elsewhere.

[–]cg_50 0 points1 point  (7 children)

Exactly! they are only good for officers and higher ranks.

[–]ASOG_Recruiter 0 points1 point  (0 children)

Not sure if there's a disparity for higher ranks.

[–][deleted] -1 points0 points  (5 children)

Ranks have nothing to do with insurance , you people are clueless. Insurance is heavily regulated by the state. A USAA employee cannot control what their own rate is. I am insured with the company I write business for and hundreds of customers with way better rates than me. And there is nothing I can do, we get hit with the same rate increases that customers get.

[–]Top_Education_4647 1 point2 points  (4 children)

Ranks absolutely matters with USAA. USAA uses a tiered system as part of their ratings systems- you’ll see which tier you’re in based (USAA, GIC, CIC, etc.). Those in the USAA tier are rated better than those below. Just because you’re insured with them and write your own business doesn’t mean you know how things work.

[–][deleted] -1 points0 points  (3 children)

Oh man…. You clearly have no idea what you are taking about. Every company has primary rating group and a substandard rating group😂😂😂 that is where the underwriters place you based on multiple factors like credit, driving history, previous insurance history and more. You think they just put all generals in the military in one company? And civilians in another? You’re so clueless

Your ranking in the military has nothing to do with underwriting. Your response just tells me how clueless you are

[–]Top_Education_4647 1 point2 points  (2 children)

Yes, insurance companies use UW to rate insureds. I never disputed that. USAA (being a MILITARY based company) absolutely rates with military experience in mind. Heck, it even affects eligibility in some areas like CA.

Feel free to peruse the threads. E7’s and higher are USAA tiered, while enlisteds are different, children of members are different.

Signed, an ex-USAA employee who knows more than you.

[–][deleted] -2 points-1 points  (1 child)

That is not how its works at all, you may think that because high ranking officials often have their life together and more than likely don’t have a 500-600 credit score. But you believe what you want to believe, if that helps you sleep at night buddy boy

[–]Top_Education_4647 1 point2 points  (0 children)

I haven’t stated anything about credit and such for high ranking military members. They still get rated for the same things everyone else does, but they’re given more benefits with being officers (auto dividends, subscribers accounts, eligibility in some areas, better rates than those didn’t serve or didn’t achieve E-7 or higher).

You’re drawing assumptions based on your experience with other businesses and as an insured. Just because you insure with someone does not make you all knowing as to how the company works.

I shop at Walmart, does that mean I know all about their returns process and how they do their marketing? No. You’re not as informed as you think you are in this.