USAA Epic Collapse

[uhhello]

USAA was a thousand dollars more expensive for Home/Auto when we went to renew a couple years ago.  

[nunya]

NavyFed doesn't do insurance, do they? They refer to Liberty Mutual.

[Sua Sponte]

2 hours ago, HeyWatchThis said:

Hey dudes a follow up question because like a lot of you...I've been with USAA my entire adult life and seems like Navy Fed is a decent option. I literally have everything thru USAA other than investments (House, multiple cars, life, umbrella, etc).  

Has anyone had to make a claim with Navy Fed?  My neighborhood had a hell of a tornado rip thru it back in 2019...After a few weeks/month you could drive through the neighborhood and know which house had USAA and which ones didn't.  USAA didn't hesitate or fight a single claim we submitted on our house.  My neighbor was a State Farm agent and it took over a year for them to approve her siding claim.  I've also throughout the years made a couple vehicle claims and everything went as smooth as it could.

If Navy Fed doesn't fight you tooth and nail on paying out claims then I'll probably switch as well...

Navy Fed is just a credit union, they are not an insurance company.

Edited December 30, 2024 by Sua Sponte

[ClearedHot]

5 hours ago, uhhello said:

USAA was a thousand dollars more expensive for Home/Auto when we went to renew a couple years ago.  

Is that all? 

[uhhello]

40 minutes ago, ClearedHot said:

Is that all? 

Was a tough decision

[ClearedHot]

I have a bunch of houses and they would only insure one on Florida which started us down a bad path.  Kept them for primary residence and they were going up but it was the car insurance that went through the roof.  No accidents or tickets for 35 years.  When we put our teen driver on they wanted $600 a month and that was with the good student discount.  Called Auto Owners the next day, saved 40% and dropped USAA.  Screw them! 

[HeyWatchThis]

7 hours ago, Sua Sponte said:

Navy Fed is just a credit union, they are not an insurance company.

Well fu k me

[DFRESH]

I'm probably going to punch from USAA, but torn between Navy Fed, Pen Fed, and Chase for banking and no clue where I'll go for insurance. I have accounts with all 3, and Chase seems like the most stable technology-wise. I find Navy Fed's website to be less advanced than a geocities website. Pen Fed's site seems to be "okay." I also wish I could have insurance and banking under one company, but USAA has gotten completely out of control for insurance rates. I have Progressive for our travel trailer insurance, and I'm neither amazed nor unhappy with their service/website.

 

Any recommendations?

[M2]

I'm going to see how the next USAA CEO does before deciding on whether to punch...

[DFRESH]

7 minutes ago, M2 said:

I'm going to see how the next USAA CEO does before deciding on whether to punch...

Is Wayne on his way out?

[Sua Sponte]

1 hour ago, DFRESH said:

Is Wayne on his way out?

Yep

[wikz]

2 hours ago, DFRESH said:

I'm probably going to punch from USAA, but torn between Navy Fed, Pen Fed, and Chase for banking and no clue where I'll go for insurance. I have accounts with all 3, and Chase seems like the most stable technology-wise. I find Navy Fed's website to be less advanced than a geocities website. Pen Fed's site seems to be "okay." I also wish I could have insurance and banking under one company, but USAA has gotten completely out of control for insurance rates. I have Progressive for our travel trailer insurance, and I'm neither amazed nor unhappy with their service/website.

 

Any recommendations?

tbh, all of them suck, but GEICO has been pretty good to me.

Edited December 31, 2024 by wikz

[Herkdrvr]

On 12/30/2024 at 5:02 PM, ClearedHot said:

I have a bunch of houses and they would only insure one on Florida which started us down a bad path.  Kept them for primary residence and they were going up but it was the car insurance that went through the roof.  No accidents or tickets for 35 years.  When we put our teen driver on they wanted $600 a month and that was with the good student discount.  Called Auto Owners the next day, saved 40% and dropped USAA.  Screw them! 

40% is a healthy chunk of change. Were there other factors besides price that made you select Auto Owners vs. any other non-USAA insurance company?  

[ClearedHot]

1 hour ago, Herkdrvr said:

40% is a healthy chunk of change. Were there other factors besides price that made you select Auto Owners vs. any other non-USAA insurance company?  

Great reviews, my wife did a ton of research.  I have a lot of rentals/Airbnbs and I was surprised to find out they covered property as well.  I've had great service with them, great website and a superb App.

For $ management I have a local Credit union account for my local bills and cash access.  I recently moved from Morgan Stanley to Well Fargo, have a couple of LLC accounts with them for my properties, also have my airplane in an LLC and have a checking account for that.  I was not excited about the move but I followed my wealth manager who took an SVP position there and has done very well by me.  At one point I was up 38% this year...We timed the top well a few weeks ago and pulled a bunch back, still up over 20% for 2024.

[Herkdrvr]

24 minutes ago, ClearedHot said:

Great reviews, my wife did a ton of research.  I have a lot of rentals/Airbnbs and I was surprised to find out they covered property as well.  I've had great service with them, great website and a superb App.

For $ management I have a local Credit union account for my local bills and cash access.  I recently moved from Morgan Stanley to Well Fargo, have a couple of LLC accounts with them for my properties, also have my airplane in an LLC and have a checking account for that.  I was not excited about the move but I followed my wealth manager who took an SVP position there and has done very well by me.  At one point I was up 38% this year...We timed the top well a few weeks ago and pulled a bunch back, still up over 20% for 2024.

Thanks for the info. The frau and I have been contemplating leaving USAA for a while. Will definitely look into Auto Owners. 
BTW--congrats on +20%. 

[DFRESH]

2 hours ago, wikz said:

tbh, all of them suck, but GEICO has been pretty good to me.

I just ran a quote on GEICO and it was $800 more than USAA for a 6-month policy. Then I ran a quote on Progressive and it's $600 less than USAA for a 6-month policy.

[RASH]

I’ve run quotes from GEICO, Allstate, and State Farm and they’re all 25-30% less than USAA for the same/better coverage. After 37 years with USAA, I’m out…


Sent from my iPad using Baseops Network mobile app

[stract]

On 12/31/2024 at 7:20 PM, DFRESH said:

I just ran a quote on GEICO and it was $800 more than USAA for a 6-month policy. Then I ran a quote on Progressive and it's $600 less than USAA for a 6-month policy.

I did not enjoy my time with Progressive.  Raised my auto insurance rates significantly with no ticket/accident history at all.

[stract]

On 12/30/2024 at 5:02 PM, ClearedHot said:

Called Auto Owners the next day, saved 40% and dropped USAA.  Screw them! 

Have you had any auto or property claims with them, and how has it gone?  That's really the data point I'm looking for.  Have had 1 auto claim with USAA in the last five years and it was pretty seamless.  Haven't had a property claim in over a decade (knock on wood).

[SuperWSO]

I’m a military brat and started with USAA. They were great back in the 80s and early 90s. We had multiple houses and auto through them. First strike was in 2006 when they would not insure a new house for the price we bought it, they wanted to insure it for about 30% over. They fought us on reimbursement when our military moving truck rolled over during a PCS. We dropped them for home but kept auto until our next move when they were about 30% higher than Progressive. We dropped USAA and haven’t looked back. They were high priced and provided shitty service.

    Another story, USAA almost tanked my buddy’s home sale. Buyers insurer insisted on a new roof. Sellers company insisted roof was fine. As buyer and seller were about to part ways, they asked, “who do you have your insurance with.” Both were with USAA.

Edited January 5 by SuperWSO

[ClearedHot]

3 hours ago, stract said:

Have you had any auto or property claims with them, and how has it gone?  That's really the data point I'm looking for.  Have had 1 auto claim with USAA in the last five years and it was pretty seamless.  Haven't had a property claim in over a decade (knock on wood).

Windshield on my wife's car, took ten minutes to file the claim and schedule the replacement through them.  Which reminds me, I had a broken windshield on my Range Rover while I was still with USAA.  Filed the claim and they sent a dude out to replace it.  The guy immediately tells me USAA went cheap and sent an aftermarket window that was a lot cheaper and some of my options probably wouldn't work.  He also said in Florida I had the right to OEM and all I had to do was decline which I did on the spot.  He was back a week later with the OEM windshield.  USAA sucks!

[disgruntledemployee]

Windshield. I opted to cover it myself vs risk a rate increase.  It was a 2 inch crack but went to the edge.  I called our local Acura dealer and asked where they get their glass done.  Local place says Acura glass and an aftermarket that's cheaper are made in the same facility.  I went aftermarket. Half the expense is resetting all the sensors behind the glass.  Glass doing well.

Now we gotta do a small crack and I'll do the same; pay $79.95 at a glass shop vs file a claim, which I know USAA will usually cover for free, but I don't want claims on my file.  Isn't that sad?

BTW, USAA uses Nexis Lexis.  I tried to get an $0 claim deleted from LN that USAA gave them info on, and I swear it was like trying to get a convicted murderer off death row (kiddo bumped a bumper, no damage, but called USAA as a precaution... apparently you shouldn't do that).

PS. All insurance companies suck.

PPS.  USAA was exposed to a whole lot of FL loss.  Our rate increases could probably be related to that.

[Springer]

USAA used aftermarket glass for our Mercedes.  Mercedes dealer said with a wink and nod, not to worry.  They declared the aftermarket glass they received  defective and USAA gave approval for an OEM windshield.  

[Smokin]

9 hours ago, disgruntledemployee said:

BTW, USAA uses Nexis Lexis.  I tried to get an $0 claim deleted from LN that USAA gave them info on, and I swear it was like trying to get a convicted murderer off death row (kiddo bumped a bumper, no damage, but called USAA as a precaution... apparently you shouldn't do that).

Not just insurance companies.  Gotta watch out anytime you put a VIN in ANY system.  Had a driving lesson for my kid go badly and hit a tree going slow enough that the bumper broke, but that was it.  Found a new bumper online and replaced it myself.  A few years later, went to sell and Carfax showed it as an accident.  Crazy and a bit scary that they could pull info on something like that.  It was at our house, so no one besides my family and my google search/credit cards knew anything happened but Carfax found it.

[brabus]

Just now, Smokin said:

Not just insurance companies.  Gotta watch out anytime you put a VIN in ANY system.  Had a driving lesson for my kid go badly and hit a tree going slow enough that the bumper broke, but that was it.  Found a new bumper online and replaced it myself.  A few years later, went to sell and Carfax showed it as an accident.  Crazy and a bit scary that they could pull info on something like that.  It was at our house, so no one besides my family and my google search/credit cards knew anything happened but Carfax found it.

At what point in the bumper replacement process did you put a VIN in? Also, this is an example that really makes me want to VPN/encrypt my entire network, not just run the app on a phone while I’m on airport Wi-Fi or something like that.