U.S. Auto Insurance Availability: Usaa's Nyc Exception

USAA is a car insurance company that serves New York City. However, it is only available to current and former military members and their families. USAA is ranked as the cheapest car insurance company in New York, with an average insurance cost of $1,622 a year. It also has the highest scores for customer service, claims handling, and discounts.

USAA is available in all 50 states and Washington, D.C

USAA is the fifth-largest auto insurer in the U.S. and wrote over $19 billion in premiums in 2023. The company offers a range of insurance products, including auto and vehicle insurance, motorcycle insurance, classic car insurance, homeowners insurance, renters insurance, and life insurance.

USAA is known for its low rates and multiple discounts. In 2020, it was ranked number one for the cheapest auto insurance in New York, with an average insurance cost of $1,622 per year. USAA also offers insurance for drivers with a DUI on their record, with an average cost of $2,642 per year.

In addition to its low rates, USAA also receives high marks for customer satisfaction and claims handling. According to a J.D. Power and Associates survey, USAA is one of the top five auto insurance companies in New York, with a five-star customer care rating.

USAA also offers a variety of discounts, including a bundle and save discount, a military on-base discount, a good student discount, a clean driving record discount, and a safe driver discount.

USAA is only available to military personnel and their families

USAA is a financial services company that provides insurance and banking products exclusively to military personnel and their families. It was founded in 1922 by a group of 25 U.S. Army officers who were unable to secure auto insurance due to being perceived as a high-risk group.

USAA offers its services to past and present members of the Armed Forces, including officers and enlisted personnel, and their families. This includes those on active duty, in the National Guard and Reserve, and officer candidates in commissioning programs. Veterans who have retired or been honorably discharged are also eligible for membership.

USAA's eligibility criteria ensure that its services are closely held within the U.S. military community, respecting the organization's origins and mission to serve those who have served. While USAA's mission is to provide financial and insurance services to military personnel, membership is not restricted solely to servicemembers. Civilians with specific relationships to USAA members may also be eligible for membership.

For example, spouses, unmarried former spouses, and children of USAA members are typically eligible for their membership. In addition, individuals whose parents joined USAA and widows, widowers, and un-remarried former spouses of USAA members who had USAA auto or property insurance while married may also be eligible. However, it is important to note that USAA membership cannot be passed on posthumously to the children of deceased parents who were not USAA members.

USAA offers a range of insurance products, including auto insurance, homeowner's insurance, renter's insurance, and life insurance. They also provide banking services such as checking and savings accounts, credit cards, mortgages, and loans. USAA is known for its excellent customer service, low-interest rates, and competitive insurance premiums.

In summary, USAA is a trusted and exclusive provider of financial services for military personnel and their families, offering a range of insurance and banking products to meet their unique needs.

USAA is the cheapest car insurance option in New York

USAA is ranked as the number one auto insurance company in New York for 2020. It is also ranked number one for customer service, claims handling, and discounts. The company is highly regarded by its policyholders, receiving a five-star customer care rating. They process claims promptly, and 78% of their customers were extremely satisfied with recent claims.

USAA is available in all 50 states and Washington, D.C. However, it is only available to current and former members of the military and their families. Eligible military groups include active-duty, Guard, Reserve, veterans, cadets, and midshipmen. Spouses, ex-spouses, children, and step-children of USAA members are also eligible for membership.

USAA offers low rates and multiple discounts. They also provide insurance for people with a DUI on their record, with an average cost of $2,642 per year. If you have a speeding ticket on your record, USAA is also the cheapest option, with an average cost of $1,759 per year.

In addition to car insurance, USAA offers life insurance, home insurance, renters insurance, personal property insurance, and insurance for motorcycles, RVs, and boats. You can save money by bundling policies with USAA. For example, you can get 10% off your homeowner's or renter's insurance premium if you add auto insurance to it.

USAA also offers a user-friendly app that allows you to easily manage your policy, get car insurance quotes, and request auto ID cards. The app provides secure access to your account using your fingerprint, face recognition, or voice recognition.

Overall, USAA is the top-leading auto insurance company in New York, offering great low rates, multiple discounts, and additional features such as bundling and saving and an online claims center.

USAA has the highest scores for customer service and claims handling

USAA is ranked highly for its customer service and claims handling. In a survey by J.D. Power and Associates, USAA is rated as one of the top five auto insurance companies in New York. It is also ranked number one in 2020 for the cheapest auto insurance in the state. USAA achieves high scores in user satisfaction and affordability, with a five-star customer care rating.

In a US News review, USAA is rated the number one auto insurance company overall and for customer service, claims handling, and discounts. The review also highlights that USAA has the highest scores among companies for customer service, claims handling, and as an insurer for senior drivers. The review is based on a consumer survey that covers areas such as satisfaction with the ease of filing a claim, customer service, claim status communication, and claim resolution.

In the US News survey, 60% of respondents said they were completely satisfied with USAA's customer service, and 64% said they found it easy to contact the company's customer service team. For claims handling, 65% of respondents were completely satisfied with the ease of filing a claim, and 67% were satisfied with how their claim was resolved. 61% were satisfied with the updates they received about their claims.

However, it is important to note that not all customer reviews are positive. Some customers have reported issues with USAA's customer service, claims handling, and billing. There are also complaints about unexpected premium increases and difficulty obtaining refunds.

USAA offers a wide range of discounts

USAA offers 14 auto insurance discounts, including:

• Safe driver discount: For customers who maintain a good driving record for more than five years.
• Defensive driving discount: For customers who take an approved defensive driving course.
• Driver training discount: For drivers under 21 who take a basic driver training course.
• Good student discount: For students aged 16-25 who are enrolled full-time in high school or college and maintain at least a "B" average.
• SafePilot discount: Customers can save up to 30% by allowing USAA to track their driving habits, including speed, acceleration, and braking.
• New vehicle discount: For customers insuring a brand-new car.
• Multi-vehicle discount: For customers insuring more than one car on the same policy.
• Annual mileage discount: For customers who drive less than 12,000 miles annually.
• Vehicle storage discount: For customers whose cars are in storage.
• Family discount: For customers who were previously listed as named drivers on a family member's USAA policy.
• Length of membership discount: For long-time customers.
• Military installation discount: For customers who store their car on a military base.
• No payment plan fees discount: For customers who pay their entire premium upfront.
• Multi-policy discount: For customers who buy multiple types of insurance from USAA.

USAA also offers discounts for anti-theft devices, deployment, driving fewer miles, loyalty, and the MyUSAA Legacy program.

Frequently asked questions