USAA汽车和家庭保险评论

USAA汽车和家庭保险评论

USAA为军事家庭和退伍军人提供了极大的低保费和可靠的客户服务。
USAA.

编辑评分

USAA的低利率和良好的客户服务使它成为一个健全的选择对于那些谁都有资格USAA成员。它通常提供了自动和家庭保险的低利率,尽管缺乏可用的折扣的。总体而言,USAA是保险的绝佳选择。

适合
  • 符合资格客户寻找顶级客户服务
  • 首次司机和新车主
  • 拥有更昂贵房屋的业主
  • 人们没有与美国军队隶属于
  • 与租赁车辆司机
  • 拯救谁主次折扣

USAA保险:我们的想法

USAA为投保人提供了很高的汽车和房屋保险费率。年轻的司机特别可能选择美国汽车保险协会购买汽车保险,从而节省最多的钱。对于购房者和购买保险的人来说,拥有更昂贵住房的人可能会发现美国住房保险局的保费特别低。

USAA提供了一些保险业最佳客户服务。

它常规接收对所有保险产品的索赔满意度的高评级和低投诉率,这表明客户从USAA获得伟大的客户服务。

而该公司的保险提供上面和超越覆盖现役成员 - 包括制服放弃免赔额和存储的汽车,当你部署了一个陡峭的60%,保险折扣。

只有几个缺点。一是USAA没有许多亲本地,而且他们大多位于或靠近军事基地。大多数客户USAA将他们的保险公司专门的在线互动。

此外,USAA有严格的资格要求。只有两组人民获得覆盖范围:在军队服役的人和直接家庭成员(父母或配偶)的人已经拥有USAA保险。如果您不属于其中一个类别,则无法购买策略。

manbetx体育靠谱吗万博正规平台汽车保险外卖:USAA是汽车保险的最佳选择 - 特别是对于年轻的司机 manbetx体育靠谱吗万博正规平台- 考虑到低价。USAA也特别适合计划储存汽车的司机,因为它们可能能够有资格获得其保费的大量折扣。

家庭保险外卖:房主谁都有资格USAA家庭保险应认为这是一个强有力的竞争者,因为其极具竞争力的价格和特别津贴,以迎合其特定的军事客户。

美国汽车保manbetx体育靠谱吗万博正规平台险协会汽车保险评论


找到您所在地区最便万博app2.0苹果宜的汽车保险报价

目前保险?
它是免费、简单和安全的。

USAA汽manbetx体育靠谱吗万博正规平台车保险范围

USAA提供标准覆盖范围,例如责任,全面和碰撞保险,您将期望来自汽车保险公司或者您所在的国家可能需要。在额外的覆盖选项方面,USAA拥有各种各样的保险产品,但不提供任何您不可能找到类似的国家保险公司。

汽车更换援助保险:这基本上就是其他保险公司可能称之为“新车更换险”。如果您的汽车被合计,汽车更换援助(CRA)除了支付车辆的实际现金价值外,还支付20%。此保险范围不适用于租赁汽车。CRA仅适用于具有综合保险和碰撞保险的车辆,注册CRA可使您的保费增加5%。

意外宽恕:凭借意外宽恕,USAA汽车保险客户不会在一个故障事故后看到他们的manbetx体育靠谱吗万博正规平台房价。与Geico的事故宽恕计划类似,可以获得或购买此覆盖范围。在与USAA保险时,无临时事故的合格司机将自动收到此福利。购买此覆盖范围可能在其汽车保险费中额外收取司机,从我们收集的引号判断。万博正规平台manbetx体育靠谱吗

租赁报销:在有盖的损失在您的车辆需要维修的情况下,USAA将支付租赁车辆。不像其他的保险公司 - 这让你选择一个涨停,以及每一个要求限制 - USAA让客户选择车辆的类型:经济,标准,Multipassenger,卡车或大型SUV。对于租赁偿还的具体期限限制会在你的保险单列明。根据我们收集的报价,加入这项保险与各地的每年$ 60的经济租金成本。

拖带和劳动:如果您需要路边救援,购买此项保险将支付将车辆拖至最近修理厂的费用、汽油配送费用、轮胎更换费用以及在您的汽车发生故障时执行的任何人工。USAA将在您的个人保单上指定承保限额。我们发现,对于我们检查过的每个驾驶员资料,这项保险每年要额外支付18美元的汽车保险费。万博正规平台manbetx体育靠谱吗

顺风车间隙保护:此保险范围保护乘坐者在其个人汽车保险单或其乘坐服务(如Uber或Lyft)提供的保险范围可能不包括的时间内。万博正规平台manbetx体育靠谱吗

玻璃覆盖范围

寻找全玻璃覆盖的顾客 - 所以他们不必为挡风玻璃或窗户维修支付袋 - 可能会对USAA的产品感到失望。与许多其他保险公司不同,全玻璃覆盖范围仅在USAA自动包含在佛罗里达,肯塔基州,马萨诸塞州和南卡罗来纳州的全面覆盖范围。然而,USAA客户可以选择选择完整的玻璃覆盖范围 - 额外收费 - 如果他们住在亚利桑那州,康涅狄格州,明尼苏达州或纽约。

缺口保险

GAP保险专为为驾驶员提供资金或租赁车辆的司机设计,并且它涵盖了驾驶员欠的差额以及他们的汽车在总损失的情况下值得。USAA不为租赁车辆提供缺口保险,但它确实提供了类似的购买车辆。

司机谁通过USAA获得汽车贷款必须购买全损保护,其功能类似于差距保险的选项。这将覆盖你欠什么,你的车的实际现金价值(ACV)高达$ 50,000,包括你的扣除$ 1,000之间的差距。

二手车置换援助(CRA) - 它可以覆盖相同的成本差距保险 - 若您要么买了一辆汽车直接或通过USAA或其他贷款人有一个汽车贷款。差距保险和CRA之间的主要区别是,CRA将支付20%以上,比你的车的ACV,这是否超过或者低于你上车欠量。例如,如果你在你的车的ACV总额你的车,欠下超过20%,你会离开你的贷款余额口袋的付出。虽然差距保险也多少会覆盖有限,在大多数情况下,限制将是你的车的ACV大于20%。在另一方面,如果你的车是不是资金,CRA可以帮助你在你的车总计为峡险不,不只是还清贷款的情况下,购买新的车辆起到抛砖引玉的作用。

请记住,由于CRA和全部损失保护提供类似的服务到GAP保险,那些有汽车贷款的人不会看到任何额外的差距覆盖范围。例如,如果您的汽车和贷款金额总计20%,那么所有的CRA资金都将用于偿还贷款,您的差距保险将未被使用。

USAA汽manbetx体育靠谱吗万博正规平台车保险折扣

就折扣而言,USAA的产品总体上与其他保险公司的产品非常相似。USAA提供的折扣包括多策略折扣、多车辆折扣以及车辆设备折扣,如防盗装置和日间行车灯。根据您的驾驶历史和地点,可享受的折扣可能会发生变化。

折扣
细节
军事安装 如果您在军事基地上车辆车库,您可以在溢价的全面覆盖部分获得折扣,高达15%。
年度里程数 USAA将根据您一年的行驶里程数为您提供折扣费率。此折扣仅适用于29岁以上的驾驶员。
USAA的折扣为驾驶研究 符合条件的司机可以注册并接收他们在汽车上插入端口的设备。从那里,他们所要做的就是正常开车 - 并帮助USAA驾驶研究。USAA将通过设备收集信息并发送周期性的电子邮件调查。注册此计划为驾驶员提供5%的汽车保险折扣。万博正规平台manbetx体育靠谱吗
高级司机折扣 有五年多了一个良好的驾驶记录你胜任这个折扣。此外,您也有资格获得意外宽恕,这是前面提到的。
防御驾驶课程 以经批准的防御性驾驶课程可以节省您在USAA车险保费。万博正规平台manbetx体育靠谱吗
驾驶培训课程 完成司机教育课程 - 21岁之前 - 可以赚取司机对他们的汽车保险折扣。
新车 在USAA为车龄小于3年的车辆投保,您可以享受汽车保险费的折扣。万博正规平台manbetx体育靠谱吗
好学生 GPA至少为3.0的全日制学生有资格获得折扣。如果司机在学业上处于班级的20%以上,或者在学校的学业成就清单上,如荣誉榜或院长名单上,他们也可以获得资格。
家庭折扣 拥有一个拥有亚美洲的家庭成员,尤其有助于您享受折扣。
自动付款 调度自动付款可以使用USAA节省高达3%的驱动程序。

突出显示的折扣:存储车辆折扣

这是一个非常有价值的折扣,可以意味着高达60%的保费折扣。具体而言,这一折扣对可能长期部署的军人极为有利。只有在车辆存放在安全位置且至少连续30天未驾驶的情况下,驾驶员才有资格享受此折扣。

从本质上讲,您通过此折扣获得的节约来自于USAA更改或减少您不驾驶车辆时不会使用的保险范围,例如碰撞保险范围。其他保险公司可能只销售综合保险单来保护存储的车辆,但USAA的存储车辆折扣使驾驶员在需要存储车辆时很容易节省保险费用。

USAA汽manbetx体育靠谱吗万博正规平台车保险报价

我们从多个汽车保险公司相比报价并得出结论,USAA的费率远低于几乎所有驾驶员资料的平均水平。有多个驱动程序的族的引号除外。对于这些报价,USAA的年保费比所有保险公司的平均水平高出11%。

USAA年度保险费比较
USAA年度保险费比较

我们的研究表明,对于最近对其记录事故发生意外的司机,USAA的率低于平均值的12%。这些档案包括过去五年内有过故障事故的司机。根据我们审查的引用,USAA的价格与事故18岁及60岁及60岁儿童的价格尤其适合于29%。

USAA司机的司机与事故比较
USAA司机的司机与事故比较
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Quotes\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--757\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"isZipGeolocated\":false,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":\"false\",\"style\":\"\",\"tier\":\"default\",\"title\":\"Find the Cheapest Car Insurance Quotes in Your Area\",\"trackingKey\":\"_usaa-insurance-review\",\"trustMessage\":\"It's free, simple and secure.\",\"vendor\":\"vp\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"auto-coverage\"\u003EUSAA auto insurance coverages\u003C\/h3\u003E\n\n\u003Cp\u003EUSAA provides standard coverages, such as liability, comprehensive and collision insurance, that you would expect from an auto insurer or that might be required in your state. In terms of additional coverage options, USAA has a wide variety of insurance offerings but does not offer anything that you wouldn't likely be able to find with a similar national insurer.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ECar Replacement Assistance coverage:\u003C\/strong\u003E This is essentially what other insurers might call \"new car replacement coverage.\" Car Replacement Assistance (CRA) pays 20% \u2014 in addition to the actual cash value of the vehicle \u2014 if your car is totaled. This coverage is not available for leased cars. CRA is only available to vehicles with both comprehensive and collision coverage, and signing up for CRA could increase your premiums by 5%.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EAccident Forgiveness:\u003C\/strong\u003E With Accident Forgiveness, USAA auto insurance customers will not see their rates go up after one at-fault accident. Similar to Geico's accident forgiveness program, this coverage can either be earned or purchased. Qualifying drivers who have no at-fault accidents for five years while being insured with USAA will automatically receive this benefit. Purchasing this coverage could cost drivers an additional 4% in their auto insurance premiums, judging from the quotes we gathered.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERental Reimbursement:\u003C\/strong\u003E In the event of a covered loss where your vehicle is in need of repair, USAA will pay for a rental vehicle. Unlike other insurers \u2014 which let you select a daily limit as well as a limit per claim \u2014 USAA lets customers select a type of vehicle: Economy, Standard, Multipassenger-Truck or Large SUV. The specific coverage limits for Rental Reimbursement will be spelled out in your insurance policy. According to the quotes we gathered, adding this coverage with an economy rental costs around $60 more per year.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ETowing and Labor:\u003C\/strong\u003E If you are in need of roadside assistance, having this coverage will pay for the cost of towing to the nearest repair shop, the cost of gas delivery, a tire change and any labor performed where your car broke down. USAA will specify coverage limits on your individual policy. We found this coverage to cost an additional $18 on yearly auto insurance premiums for each driver profile we examined.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003ERideshare Gap Protection:\u003C\/strong\u003E This coverage protects rideshare drivers during the times where they may not be covered by their personal auto insurance policy or the coverage provided by their rideshare service \u2014 such as Uber or Lyft.\u003C\/p\u003E\n\n\u003Ch4\u003EGlass coverage\u003C\/h4\u003E\n\n\u003Cp\u003ECustomers looking for full glass coverage \u2014 so they won't have to pay out of pocket for windshield or window repairs \u2014 might be disappointed with USAA's offerings.\nUnlike many other insurers, full glass coverage is only automatically included by USAA with comprehensive coverage only in Florida, Kentucky, Massachusetts and South Carolina. However, USAA customers may have the option to choose full glass coverage \u2014 for an additional charge \u2014 if they live Arizona, Connecticut, Minnesota or New York.\u003C\/p\u003E\n\n\u003Ch4\u003EGap insurance\u003C\/h4\u003E\n\n\u003Cp\u003EGap insurance is designed for drivers who finance or lease their vehicles, and it covers the difference between what drivers owe and what their cars are worth in the event of a total loss. USAA does not offer gap insurance for leased vehicles, though it does provide similar products for purchased vehicles.\u003C\/p\u003E\n\n\u003Cp\u003EDrivers who get a car loan through USAA have the option to purchase Total Loss Protection, which functions similarly to gap insurance. This will cover the gap between what you owe and your car's actual cash value (ACV) up to $50,000, including $1,000 of your deductible.\u003C\/p\u003E\n\n\u003Cp\u003ECar Replacement Assistance (CRA) \u2014 which can cover the same costs as gap insurance \u2014 is available if you have either bought a car outright or have an auto loan through USAA or another lender. The main difference between gap insurance and CRA is that CRA will pay 20% more than the ACV of your car, whether this exceeds or is less than the amount you owe on a vehicle. For example, if you totaled your car and owed more than 20% over the ACV of your car, you would be left paying out of pocket for the remaining balance of your loan. While gap insurance is also limited on how much it will cover, in most cases the limit will be greater than 20% of your car\u2019s ACV. On the other hand, if your car isn\u2019t financed, CRA can play a valuable role in helping you to purchase a new vehicle in the case your car is totaled, not just pay off a loan as gap insurance does.\u003C\/p\u003E\n\n\u003Cp\u003EKeep in mind that, since CRA and Total Loss Protection provide a similar service to gap insurance, those with car loans will not see any added value with separate gap coverage. For example, if you totaled your car and the amount of your loan was 20% greater than the ACV of your vehicle, then all of the CRA funds will be used to pay off the loan and your gap insurance would be unused.\u003C\/p\u003E\n\n\u003Ch3 id=\"auto-discounts\"\u003EUSAA auto insurance discounts\u003C\/h3\u003E\n\n\u003Cp\u003EIn terms of discounts, USAA's offerings are, overall, pretty similar to what might be available to you with other insurers. Discounts that USAA provides include multipolicy discounts, multivehicle discounts, as well as discounts for vehicle equipment \u2014 such as anti-theft devices and daytime running lights. The discounts available can change based on your driving history and location.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn cBFLrt\"\u003E\u003Ctr\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EDiscount\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth width=\"\" colSpan=\"1\" class=\"StyledHeaderCell-sc-nsptsd gkalnJ\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EDetails\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EMilitary Installation\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EIf you garage your vehicle on a military base, you can receive a discount on the comprehensive coverage portion of your premium of up to 15%.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAnnual Mileage\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA will give you a discounted rate based on the number of miles that you drive in a year. This discount is only available to drivers over the age of 29.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA's Discount for Driving Research\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EQualifying drivers can sign up and receive devices that they plug into ports on their cars. From there, all they have to do is drive normally \u2014 and help USAA with driving research. USAA will gather the information through the devices and send periodic email surveys. Enrolling in this program gives drivers a 5% auto insurance discount.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EPremier Driver Discount\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHaving a good driving record for over five years qualifies you for this discount. Additionally, you also qualify for accident forgiveness, which was mentioned previously.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EDefensive Driving Course\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETaking an approved defensive driving course can save you on your USAA auto insurance premiums.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EDriver Training Course\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ECompleting a drivers education course \u2014 before turning 21 \u2014 can earn drivers a discount on their car insurance.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENew Vehicle\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EInsuring a vehicle with USAA that is less than 3 years old qualifies you for a discount on your auto insurance premiums.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGood Student\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFull-time students who have a GPA of at least 3.0 are eligible to receive a discount. Drivers are also able to qualify if they are in the upper 20% of their class academically or by being on their schools\u2019 scholastic achievement list \u2014 such as honor roll or dean's list.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EFamily Discount\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EHaving a family member who is also insured with USAA qualifies you for a discount.\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAutomatic Payments\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EScheduling automatic payments can save drivers up to 3% with USAA.\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Discount\",\"Details\"],[\"Military Installation\",\"If you garage your vehicle on a military base, you can receive a discount on the comprehensive coverage portion of your premium of up to 15%.\"],[\"Annual Mileage\",\"USAA will give you a discounted rate based on the number of miles that you drive in a year. This discount is only available to drivers over the age of 29.\"],[\"USAA's Discount for Driving Research\",\"Qualifying drivers can sign up and receive devices that they plug into ports on their cars. From there, all they have to do is drive normally \\u2014 and help USAA with driving research. USAA will gather the information through the devices and send periodic email surveys. Enrolling in this program gives drivers a 5% auto insurance discount.\"],[\"Premier Driver Discount\",\"Having a good driving record for over five years qualifies you for this discount. Additionally, you also qualify for accident forgiveness, which was mentioned previously.\"],[\"Defensive Driving Course\",\"Taking an approved defensive driving course can save you on your USAA auto insurance premiums.\"],[\"Driver Training Course\",\"Completing a drivers education course \\u2014 before turning 21 \\u2014 can earn drivers a discount on their car insurance.\"],[\"New Vehicle\",\"Insuring a vehicle with USAA that is less than 3 years old qualifies you for a discount on your auto insurance premiums.\"],[\"Good Student\",\"Full-time students who have a GPA of at least 3.0 are eligible to receive a discount. Drivers are also able to qualify if they are in the upper 20% of their class academically or by being on their schools\\u2019 scholastic achievement list \\u2014 such as honor roll or dean's list.\"],[\"Family Discount\",\"Having a family member who is also insured with USAA qualifies you for a discount.\"],[\"Automatic Payments\",\"Scheduling automatic payments can save drivers up to 3% with USAA.\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3\u003EHighlighted discount: stored-vehicle discount\u003C\/h3\u003E\n\n\u003Cp\u003EThis is a very valuable discount that can mean up to 60% off your insurance premiums. Specifically this discount is extremely beneficial to members of the military who might be deployed for long periods of time. Drivers can qualify for this discount only if their vehicles are stored in secure locations and aren\u2019t driven for at least 30 consecutive days.\u003C\/p\u003E\n\n\u003Cp\u003EEssentially, the savings that you get with this discount result from USAA changing or reducing coverages that you won't use when you aren't driving your vehicle, such as collision coverage. Other insurers might sell comprehensive-only insurance policies to protect a stored vehicle, but USAA's Stored Vehicle Discount makes it really easy for drivers to save on insurance if they need to store their cars.\u003C\/p\u003E\n\n\u003Ch3 id=\"auto-quotes\"\u003EUSAA auto insurance quotes\u003C\/h3\u003E\n\n\u003Cp\u003EWe \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"compared quotes from multiple auto insurers\" href=\"\/\/www.e-privac.com\/auto-insurance\"\u003Ecompared quotes from multiple auto insurers\u003C\/a\u003E\u003C\/span\u003E and concluded that USAA's rates were well below the average for almost every driver profile. The exception was for the quotes for families with multiple drivers. For these quotes, USAA's annual premiums were 11% above the average across all insurers.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeVisibility--show-large\"\u003E \u003Cdiv class=\"ShortcodeImage--root \" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"USAA Annual Insurance Rates Comparison\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-auto-good-driver_l7d7ep\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/usaa-auto-good-driver_l7d7ep\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-auto-good-driver_l7d7ep 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-auto-good-driver_l7d7ep 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeVisibility--show-small\"\u003E \u003Cdiv class=\"ShortcodeImage--root \" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"USAA Annual Insurance Rates Comparison\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-auto-good-driver-mobile_atq1er\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/usaa-auto-good-driver-mobile_atq1er\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-auto-good-driver-mobile_atq1er 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-auto-good-driver-mobile_atq1er 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E \u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EOur study revealed that for drivers who have recent accidents on their records, USAA's rates were 12% below the mean. These profiles included drivers who have had an at-fault accident within the last five years. USAA's prices were especially good for the 18- and 60-year-olds with accidents, at 29% below the average, according to the quotes we examined.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeVisibility--show-large\"\u003E \u003Cdiv class=\"ShortcodeImage--root \" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"USAA Rates for Drivers With Accidents Comparison\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-auto-accident_elrkju\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/usaa-auto-accident_elrkju\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-auto-accident_elrkju 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-auto-accident_elrkju 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E \u003C\/div\u003E \u003Cdiv class=\"ShortcodeVisibility--show-small\"\u003E \u003Cdiv class=\"ShortcodeImage--root \" \u003E\n \u003Cdiv class=\"ShortcodeImage--image-container \"\u003E\n \u003Cimg alt=\"USAA Rates for Drivers With Accidents Comparison\" class=\"ShortcodeImage--image lazyload\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-auto-accident-mobile_ej6oq6\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_1600\/v1\/usaa-auto-accident-mobile_ej6oq6\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-auto-accident-mobile_ej6oq6 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/usaa-auto-accident-mobile_ej6oq6 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

USAA房主保险审查

现在获取来自多家保险公司的报价


USAA的家庭保险结合了高费率和顶级服务以及大约典型的保险选项,但有一个例外——其军事特定福利,这将使其保险范围对现役人员更具吸引力。

USAA提供我们的样本房主率35%,比竞争对手更便宜 - 一个储蓄近800 $每年对于一个拥有300000美元住房保险的家庭。

我们也是USAA的家庭保险的客户服务的忠实粉丝。它拥有的只是0.15的抱怨指数 - 这意味着它接收的15%,许多投诉,其大小的典型公司,提示房主倾向于对收到的服务感到满意

在J.D.Power的房主保险满意度调查中,它也是排名最靠前的公司之一。在许多地区,它实际上在所有家庭保险公司中都获得了最高分数,尽管USAA的仅限军方的资格标准使其无法获得J.D.Power的“最佳”奖

USAA的房主保险选项

Usaa Homeowners保险提供了一家最高国家保险公司所期望的所有覆盖范围。除了那些之外,USAA提供了许多保险公司不提供的一些特殊福利。

军人特有的优点:USAA在其房主保险政策中提供了几个好处和津贴,专门迎合了积极的服务成员及其家庭。对于一个,USAA涵盖了全世界的财物,即使在一个积极的战争中,也甚至在一个积极的战争中 - 许多保险公司都不会在Warzones中覆盖他们的保单持有人的物品。USAA房主保险政策还涵盖了您的军装和设备,如果这些物品因责任损坏,您将不必支付免赔额。

身份盗窃:所有USAA房主政策相关的身份盗用损失提供高达覆盖$ 5,000。USAA还提供身份保护服务,并进行身份保护的所提供的最便宜的水平是免费为客户USAA。

充分更换成本到家和物品:USAA房主政策始终涵盖您的房屋和财产的全部重置成本。例如,如果你花1000美元买了一台笔记本电脑,但它在你拥有两年后被盗,USAA将支付你1000美元更换它,即使笔记本电脑在被盗时只值500美元。一些保险公司只提供实际现金价值(ACV)或对重置成本保险收取额外费用。

楼主覆盖:USAA为房东租用房屋的覆盖范围,是房产是长期投资还是您正在移动但尚未准备卖出。USAA提供保护您防止责任索赔和典型保险危险,如火或天气损坏。此外,如果您的财产从覆盖损失损坏,您将被赔偿。

USAA家庭保险报价:多少钱?

我们对Usaa家庭保险的负担能力印象深刻。在四个覆盖价目,我们发现USAA在我们看看的普通公司提供了35%的典型储蓄,导致高达991美元的储蓄。

条形图比较USAA和三大竞争对手的家庭保险费用
条形图比较USAA和三大竞争对手的家庭保险费用

我们确实来自一个竞争对手的利率,全州保险公司,与USAA有竞争力。它的利率仅在德克萨斯州的样本物业比USA贵得多。

要了解如何与其他公司相比USAA家庭财产保险的成本,我们收集了家庭样本的报价从USAA,好事达,利宝互助和国营农场四种不同级别的保险。

USAA保险公司的房主

USAA并没有向其房主保险客户提供额外折扣的方式。如果他们在其房主或租房者保险政策中免费提供5年,客户可以节省10%的年度保费,他们可以节省高达10%的人捆绑房屋和汽车保险万博正规平台manbetx体育靠谱吗一起。USAA还提供装备带有某些安全功能的折扣,例如集中监控的家庭安全系统或火灾报警,或者有源喷头系统。

然而,USAA的保费通常足够低,即即使没有大量额外的减少,您可能会在房主保险上找到巨大的价格。

附加覆盖率从USAA

USAA提供了一些其他附加覆盖范围,这些附加覆盖范围是与您的房主和汽车保险单独购买的,但如果您已经从USAA中的两者中至少有一个,则只能提供。万博正规平台manbetx体育靠谱吗

宝贵的个人财产保险:贵重个人财产(VPP)保险保护珠宝、枪支、艺术品、乐器、相机、银器以及可收藏的邮票和货币。

与标准的USAA房主保险范围一样,VPP保险所涵盖的物品是针对全球盗窃所涵盖的。但是,与房屋保险范围不同,VPP保险涵盖丢失或破损的项目,它没有扣除。

伞保险:伞式保险保护您免受超出房主或汽车责任险范围的责任索赔和诉讼。

伞保险的例子

假设您拥有房主的责任覆盖率,最高限额为100,000美元。如果有人在您的财产上受伤并成功起诉您的价格,伞覆盖率将覆盖剩余100,000美元。你可能会考虑伞覆盖范围如果你有一个显著的风险资产,或者如果你经常参加高负债的活动。

USAA的保险公司评级

行业评论员 评分
NAIC抱怨指数:自动 0.84
NAIC投诉指数:房主 0.14
最好的财务实力 A++(高级)
J.D.电力索赔满意度 5.
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USAA保险审查和评级

USAA提供优质的客户服务,这些客户服务优于其竞争对手。全国保险专员协会(NAIC)报告USAA具有较少的客户投诉 - 相对于公司规模 - 而不是行业中位数。此外,USAA在索赔满足中排名得非常好,在JD. Power 2017年声称满意研究中获得了最高可能的分数。

与USAA保险人并不需要担心保险公司是否有资金来支付的要求。USAA获得最高分,从AM Best的评级服务公司的资金实力。一个好的评级这里意味着,该公司将可能有资金来支付他们的保险资产。

USAA在线工具

USAA的数字化工具可媲美什么其他保险公司提供。该网站USAA让你付账单,访问和变化的政策,并取得证明保险。对于你的汽车保险政策额外的访问,USAA提供USAA Mobmanbetx体育靠谱吗万博正规平台ile应用程序,在这里你可以报告车险理赔,并与路边援助连接。

方法

我们为USAA和一位居住在德克萨斯州奥斯汀的房主收集了房屋保险报价和三大竞争对手的报价。我们的房主是一位35岁的已婚妇女,有一个孩子,信用良好。

狗万介绍及图片欣赏ValuePenguin的分析使用了来自象限信息服务的保险率数据。这些利率被公开来自保险公司文件,只能用于比较目的 - 您自己的报价可能不同。

编辑注:本文内容仅基于作者的意见和建议。我们的任何网络合作伙伴均未对其进行预览、委托或以其他方式背书。