My husband is in the army, and he has been using USAA car insurance, and I have been using Geico. I am putting them both on one plan, and Geico is $300 cheaper a year than USAA. But does anyone have any experience of which one is better?
He really wants to keep USAA, but I want to save $$ with Geico. I'm just mostly wondering if USAA is worth the extra money.
Any help would be appreicated!
Thanks! :)
Annie
Favorite Answer
We have had Geico our entire military career (except for while in Japan) and have never had anything other than top notch service from them. I will admit we have only had two accidents in that time though. I have several friends who have had USAA and really liked them until they had their first accident. While USAA was helpful and did all it should, thier rates immediately went up and this was over minor accidents. A friend who just had a major accident has been told USAA may drop her completely because of it. My advice is to choose the company you have had the most exeperience working with in claims situations and that did the best job of it.
LnM
I find it hard to believe that Geico is cheaper because for me USAA was a lot cheaper. I guess it depends on your situation, I have heard of others saying Geico is cheaper. I think you are better off going with USAA, its a lot more military friendly. Their customer service is also excellent, and if you gave an accident the process is so smooth. They also have a great Checking account, savings, home insurance, etc.. It is so much easier to have it all with one company, specially when it come to making payments. USAA savings also gives you the highest interest rate compare to other banks, and their checking and credit cards have reward points. Plus every year USAA sends a certain money percentage , when they meet their quota. Also when your husband is deployed he can access USAA easier for everything. I use to have Geico and banked with Bank of America, but ever since I switch to USAA (3 years ago) I have been so much happier.
USAF ( Active Duty)
Honey Badger Doesnt give a Shat
i agree with others i find it hard to belive that geico is cheaper i would go with usaa they offer many more insurance benifits than geico and they are international especially for military families on the move i pay 70a month for 2 cars in germany and i am under the age of 25 i really prefer usaa compared to any insurance company for you two you may have factors like tickets or wrecks that cause it to be higher
Specialized
I've got USAA. I have a personal beef with GEICO. Got out of military in 1985 Jacksonville, Florida. Tried to get auto insurance with them. They asked me if I was in the NAVY. (Jacksonville is a Navy town, I served in the Marine Corps.) When I said I had just gotten out of the Marines, they said I wasn't qualified because I was not in the military. The fact that I was a veteran had nothing to do with it. So they were targeting a niche back in the day, now any joe blow with a job can get insurance with them and they want everyone's money now. Didn't want me back then, now they want me? I have a deep memory.
Kissa M
USAA in all aspects is the best insurance company, they have never denied any claim I have made, and that was through auto, home, and/or home warranty. They even covered something after the fact (meaning we had the work done and USAA paid us the money back after we got a policy with them).
They were on the ball for my accidents (2), the first they fought some woman who said I backed into her in a parking lot (they won for me), the second I blew a tire and they were there; towing the car, getting me vouchers for medical, giving me a rental, going over every aspect of what they would do for me and the time frame they would accomplish it.
I've known other companies to not offer half of what USAA does and to cancel people for the smallest and stupidest reasons.
Compare them, you'll find that USAA offers far more.