In this article, we’ll be discussing how you can get the lowest USAA auto insurance quote possible online in just a few easy steps. By the time you’re done, you’ll be saving hundreds each year and wondering why you didn’t look into this sooner.
USAA wants your business, you just have to show them you’re serious. Ready to start saving big on your auto insurance premiums? Let’s dive in.
What Is USAA Auto Insurance?
USAA auto insurance is insurance offered by United Services Automobile Association, a company that serves military members, veterans, and their families. They offer competitive rates and benefits for those who qualify.
To get a USAA auto insurance quote, you first need to determine if you’re eligible. USAA membership is limited to current and former military members, officers, and their families. If you qualify, you can request a free quote on USAA’s website or mobile app and provide details about yourself, your vehicle(s), and your driving history.
Based on the information you provide, USAA will generate an estimate for the total annual cost of a policy that meets your state’s minimum requirements. But don’t just go with the minimum make sure you have enough coverage to fully protect yourself in the event of an accident.
How to Get a Free Online USAA Car Insurance Quote
To get the best rate on USAA auto insurance, you’ll want to get a free quote on their website.
1. Gather Your Information
Before you start, have your vehicle details, driving history, and coverage needs on hand. You’ll need your VIN, as well as info on any anti-theft devices, safety features or mileage for your car. For your driving record, know the dates and details of any accidents, violations or license suspensions in the last 5 years.
2. Choose Your Desired Coverage Levels
Decide how much liability, collision and comprehensive coverage you need. Liability covers damages to others, collision covers your own vehicle’s damages, and comprehensive covers non-collision related incidents like theft or vandalism. Compare rates for different levels to find the right balance of coverage and affordability for your situation.
3. Get Quotes and Compare
Head to USAA.com and enter the details for a free quote. You’ll get an initial rate based on the info provided. Make adjustments to see how different coverage amounts or deductibles impact your premium. Check quotes for other companies too, so you can compare to find the most competitive offer.
4. Finalize and Purchase Your Policy
Once you’ve found the best USAA auto insurance quote for your needs, you can complete the application on their website, pay your first premium, and your policy will be activated. Congratulations, you now have quality and affordable coverage from a reputable company. Review and update your policy details annually to ensure you’re always getting the best rate.
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Understanding Different Types of USAA Auto Insurance Coverage
The major types of auto insurance coverage offered by USAA include:
1. Liability coverage
This covers damages to the other driver’s vehicle and any injuries in an accident you cause. Liability coverage is needed in almost every state. USAA offers liability coverage limits from $50,000 up to $500,000.
2. Collision coverage:
This pays for repairs to your own vehicle after an accident. Collision coverage is optional but helps avoid costly out-of-pocket expenses. USAA offers collision deductibles from $250 up to $2,500. The higher your deductible, the lower your premium.
3. Comprehensive coverage
This covers damage to your vehicle from events other than collisions, such as fire, theft, vandalism, or natural disasters. Like collision coverage, comprehensive is optional but provides essential financial protection. Comprehensive deductibles range from $100 to $2,500.
4. Uninsured motorist coverage
This covers your medical bills and vehicle damage if an uninsured driver hits your car. Uninsured motorist coverage helps ensure you’re protected financially even from irresponsible motorists. Limits range from $25,000 per person/$50,000 per accident up to $250,000/$500,000.
5. Additional coverage:
For added protection, you can also choose roadside assistance, rental reimbursement, and total loss coverage. Roadside assistance covers towing and emergency roadside help. Rental reimbursement pays for a rental car if your vehicle is in the shop. Total loss coverage guarantees you’ll get the full vehicle value if it’s totaled.
Tips for Lowering Your USAA Insurance Premiums
To get the best rate on your USAA auto insurance, here are some tips to lower your premiums:
1. Bundle your policies
Bundle your auto policy with other policies like homeowners or renters insurance. USAA offers discounts for bundling multiple policies together. More policies bundled can mean higher savings.
2. Increase your deductibles
Raising your deductibles, especially for comprehensive and collision coverage, can lower your premiums significantly. The higher your deductibles, the more out of pocket costs you’ll pay in the event of a claim, but the more you’ll save on your premiums. Find a deductible level you’re comfortable with to balance costs.
3. Improve your credit score
USAA uses your credit score as one factor to determine your auto insurance premiums. The higher your score, the less risk to the insurer and the lower your premiums. Pay down debt, check your credit report for errors, and limit new applications for credit to improve your score over time.
4. Drive safely
Your driving record and history are major factors in calculating your auto insurance premiums. Fewer accidents and traffic violations mean lower premiums. Obey traffic laws, avoid aggressive driving, and keep a clean driving record. USAA offers a safe driver discount for those with a clean record.
5. Reduce coverage on older vehicles
If you have an older vehicle, consider dropping collision and comprehensive coverage to save on premiums. The less coverage you have, the less you’ll pay. Liability coverage is still required to cover the other driver in an accident, but comp and collision are optional.
6. Ask about discounts
Don’t leave money on the table. Ask your USAA agent about all potential discounts you may qualify for, including safe driver, military, student, homeowner, and bundling discounts. The more discounts you can take advantage of, the lower your auto insurance premiums will be.
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Comparing USAA Rates to Other Top Providers
Comparing rates with other top insurance companies is one of the best ways to find out if USAA’s auto insurance quotes are truly the best deal for you. USAA frequently ranks at or near the top of customer satisfaction surveys, but their rates aren’t always the lowest. Do some comparison shopping to make sure you’re getting the coverage you need at a price you can afford.
Check with large national carriers like Geico, Progressive, and State Farm. These companies insure millions of drivers and often offer very competitive rates. See what they would charge for similar coverage to what USAA has quoted you. You may find their premiums are $50, $100 or even $200 less per month. That kind of savings can really add up over the course of a year.
Also get quotes from smaller regional companies in your area. Local insurers sometimes have lower costs because they have a better understanding of driving risks in your specific location. They can also provide more personalized service since they focus on customers in your state or region.
Conclusion
The bottom line is you owe it to yourself to shop around. USAA should absolutely be at the top of your list to get a quote from. But take the time to compare their rates to other top insurers. You could end up with a policy that provides everything USAA does, but at a lower price from a different company.
