Compare USAA vs. State Farm Car Insurance

I had SF car insurance for over 50 years, with only about 4 claims in all that time. I also have had my Homeowners policy with them (combined, off and on) for about 15 years. You would think they would offer better loyal customer, senior, or military discounts than they do. With the gigantic increases this year (Homeowners went up over $600 py) for the first time, I am seriously considering going to a cut rate company so we can afford at least some coverage. Very disappointed in SF after being a loyal customer for so long!

I was hit from the back at a stop sign by a young lady and by the time I got an estimate the next day USAA send me a check for the amount of damage the following day

Angel Hall state farm ins agency/Palm coast Florida....Brianna took all the informations from me for Auto and Homeowners policies! She was very friendly,,efficient and pleasant.. Although my coverage is not in effect yet,I feel that I would like the services of this agency! It's so close to home but first and foremost Ifeel very welcomed and important! Thank you ERLINDA HOUSE

Been insured with State Farm for over 27 years on homes and autos. I moved from Indiana to Florida almost 3 yrs ago...my rates have increased 5-10% every 6 months since moving to Florida, whereas I barely had even a $3 increase each YEAR, if any at all on the same vehicle, while living in Indiana. I believe agents, and their greediness, have A LOT to do with any insurance experience. I used the roadside assistance coverage for the first time in those 27 yrs and the experience was painless...I’ll never change another tire myself again, as the cost of coverage is pennies!

my wife was hit in the rear end her chev was total usaa payed all the claims

We have had State Farm bundling everything since we were married 50 years ago. I think this insurance is as good as your agent. A good agent is an advocate for the client. I have never seen my current agent but she had a very competent & customer savvy front person. Since that person left after about 10 years, I am very disappointed. Nobody reviews my insurance or finds the discounts for us. I have to initiate and even when they are applied the rates still increase. I am thinking of looking at Shelter Insurance where the girl who was so customer friendly went. How often are the agents claiming credit that their staff deserves?

I have been a client of USAA for 46 years. I have had multiple automobile claims and homeowner insurance claims. Each incident has been handled quickly and has left me very satisfied with their attitude and service. I was speaking to the owner of a collision repair shop and explaining what I wanted done on the vehicle. He stopped me and said, "That is up to the insurance company." When I told him that I had USAA, he laughed and said there would be no problem. "They will do whatever you want." It was an exaggeration but very close to the truth. The insurance is the only insurance that has a "Subscriber's Savings Account" that I am aware of in the industry. Over the last 10 years, a percentage of my premium has gone into the account. The percentage has varied from a low of 9% to as much as 52% of my premium. The average is 23% of my premiums. It is not a bad discount for great service.

We've had USAA for fifty (yes, FIFTY!) years now and wouldn't even consider changing to another company. Along the way we've had a few claims (both auto and homeowner's), and in addition to the claims being handled fairly, quickly, and efficiently, we've never experienced any significant rate changes as a result. Speaking of rates, when comparing you'll definitely want to consider the fact that USAA offers an annual "rebate"; the amount of which is based on a formula of how much you paid in premiums, and their loss experience. Part of this rebate is awarded in cash (or credit to your current premium), and part is deposited in a "Subscriber Savings Account" with the company (and the amount we're talking about can easily be hundreds of dollars!)...the net result is a reduction in your overall cost. This "rebate" is NOT guaranteed, but based on the fact that they've awarded it every single year (to my knowledge), it's pretty safe to say that you'll get one. In my humble opinion, if you qualify for this insurance and don't take advantage of it, you're missing out on a great, cost effective experience. To be "fair and balanced", I've also read some, not a lot, but some "bad" USAA reviews over the years, which surprises me based on my personal experiences. One of the more common complaints seems to focus on poor customer service. Obviously I don't know the people involved or the specifics, but in my experience, talking to USAA reps literally hundreds of times over the last half century, I've NEVER once had a negative interaction, nor have any of my family members; all of whom are USAA members too! So this leads me to conclude that "...there are always two sides to a story." One last anecdotal experience: I used to get "cold calls" from auto insurance companies asking me if I'd like to save some money on my insurance. Sure, I'd say, go ahead and give me a quote. So the first question (almost always) was: Who is your current insurer? USAA, I'd respond. Oh, OK, great company, thanks for your time, goodbye. Only once did an agent actually take the time to give me a quote, which was, I'll admit, about $10 a year less than what I was paying. So, he asked, are you ready to switch to us? Well, I responded, I might consider it (not really) after you tell me about your rebate program. Huh? Rebate? Uh, we don't do that, sorry.