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sbryan@vtbryans.com

Vermont

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Posted: 06/18/19 04:40pm Link  |  Quote  |  Print  |  Notify Moderator

As a former insurance commissioner I can assure you that every state and territory regulates insurance. The state/territory may not set rates, as in MA, but actuaries and financial experts on the insurance department's roster do examine rates and claims to insure companies are charging "appropriately". That leaves lots of room for rate setting at different levels but the goal is to make sure insurance companies are treating consumers fairly, using consistent underwriting standards, and that they are financially sound and able to pay claims even in adverse circumstances.


Shawn
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zb39

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Posted: 06/18/19 05:19pm Link  |  Quote  |  Print  |  Notify Moderator

I have been with USAA since Feb 1987. They used to be GREAT. Then about 10 years ago they started slipping. These days I have my house with them, but that will soon change. I also have 2 cars with them and the other cars are with state farm. They let anybody insure with them these days and it has hurt them.


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Chainwright

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Posted: 06/19/19 08:07am Link  |  Quote  |  Print  |  Notify Moderator

"So it really doesn't matter there which company you chose. Some companies won't even sell policies in Mass - I'd guess because they can't raise rates, and can't make enough money.
IF insurance is mandatory - which is true in most, if not all states - then it should be regulated as well. AND, yes, it should be mandatory, so we do not become victims of the uninsured. Of course, even mandatory here in Florida, there is still a "fee and choice" for uninsured motorist coverage, and based on the laws there should be none of those ... right? Don't bet on that one. "
Wow and you're from Mass. Too. I don't mean to Derail or change the subject, but when I read that, it reminded me of the Current Health care Issues. Anyway, I digress. Sorry. If you don't mind I'll use this in Other Forums.

otrfun

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Posted: 06/19/19 11:46am Link  |  Quote  |  Print  |  Notify Moderator

We got a quote from USAA on our TC that was 1/2 the cost of Progressive, Geico, Foremost, etc. Unfortunately, it came with a caveat. USAA doesn't offer 5 years of replacement value coverage (replace with "new" up to 5 model years) like other RV insurers (at least in our area). USAA only offers ACV (actual cash value) coverage. ACV provides significantly less coverage (vs. 5-year replacement) in the event of a total loss situation.

daily double

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Posted: 06/19/19 12:10pm Link  |  Quote  |  Print  |  Notify Moderator

We had USAA for years house, cars TC 5er and they finally got to where they priced themselves out of the market. Switched to Farmers and saved about $1500 a year.

adamis

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Posted: 06/19/19 12:33pm Link  |  Quote  |  Print  |  Notify Moderator

Longtime user of USAA since sometime in the 90s. To the poster that commented about not servicing Enlisted... I'm not an expert on the history but I think the company was founded by Military Officers originally to service Officers needs. Not saying it was right or wrong back then to exclude Enlisted but it was just a different time than now. It is good that they have opened it up to all military.

As far as the Insurance rates go, I honestly couldn't say if they are competitive as I have never shopped around. Call me foolish but I'm all in with USAA from Mortgages, Insurance, Banking, Investing, it is all there. I have a one stop website to log in and no exactly where my money is and that is a convenience I accept for likely a higher price than if I shopped around individually for these services.

What has sold me on them is their customer service. It has slipped a hair but it is still some of the best in my opinion. When I call them, I can talk to a live person usually within about 30 seconds and that live person actually knows how to handle my needs and if they don't, they will make sure to connect you to someone that can.

In regards to claims, they have been extremely good to me. As an example, my dad wrecked my car in Vegas. The other car started a legal fight and the only reason I even knew about it was I got a letter from USAA saying they handling the entire thing.

Lastly... one more thing to keep in mind is that as a Member, we receive cash back every year based on a distribution they make. I think last year I received a couple hundred dollars back which reduces the cost of insurance quite a bit.


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mountainkowboy

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Posted: 06/19/19 01:53pm Link  |  Quote  |  Print  |  Notify Moderator

adamis wrote:

Longtime user of USAA since sometime in the 90s. To the poster that commented about not servicing Enlisted... I'm not an expert on the history but I think the company was founded by Military Officers originally to service Officers needs. Not saying it was right or wrong back then to exclude Enlisted but it was just a different time than now. It is good that they have opened it up to all military.

As far as the Insurance rates go, I honestly couldn't say if they are competitive as I have never shopped around. Call me foolish but I'm all in with USAA from Mortgages, Insurance, Banking, Investing, it is all there. I have a one stop website to log in and no exactly where my money is and that is a convenience I accept for likely a higher price than if I shopped around individually for these services.

What has sold me on them is their customer service. It has slipped a hair but it is still some of the best in my opinion. When I call them, I can talk to a live person usually within about 30 seconds and that live person actually knows how to handle my needs and if they don't, they will make sure to connect you to someone that can.

In regards to claims, they have been extremely good to me. As an example, my dad wrecked my car in Vegas. The other car started a legal fight and the only reason I even knew about it was I got a letter from USAA saying they handling the entire thing.

Lastly... one more thing to keep in mind is that as a Member, we receive cash back every year based on a distribution they make. I think last year I received a couple hundred dollars back which reduces the cost of insurance quite a bit.


Us too, been with them for decades and I have cross shopped them. What little savings I would get would be nothing as compared to the C/S I get.

We lost everything to a fire in 2003 and talking with neighbors who were insured by other companies, I'm glad that we were with USAA. They went out of there way to "make it right" and make sure that we got EVERYTHING we were entitled to with our policy and coached us with the purchase of another home. Our underwriter STRONGLY advised us to spend more that we wanted to spend on our replacement home...and we took his advice. 2 weeks after we closed escrow we received a check for $170,000.00. If we had bought a lesser priced house we wouldn't have gotten anything. I highly doubt that any other insurance company would have done this, and from talking with my burned out neighbors, most of the "other" big name insurers took forever to settle there claims.

It's not always about the money.........


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Chainwright

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Posted: 06/19/19 04:04pm Link  |  Quote  |  Print  |  Notify Moderator

MountainKK. is Absolutely right. I guess you can approach it from different angles, but like he said IT'S NOT ABOUT THE MONEY.
At this day in age computers have come so far and are soo fast. Every website I need is stored in my favs and it takes seconds to see my stocks/bonds, banking and insurance. Everything I want is at the tip of my fingers BUT still I go to the banks, even if I don't have to. It doesn't have to be ALL on 1 site. But if for some it's a Must-have, then so be it. I've shopped around enough to know that USAA Definitely would not satisfy my banking and investment needs, not for a longshot. So different strokes for different folks, it's a service that wouldn't benefit me. I'd still find myself using other websites. I have GEICO Military and they've always treated me like a king, Absolutely no CS complaints there. So to each there own. Many of us have different priorities.

otrfun

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Posted: 06/19/19 05:47pm Link  |  Quote  |  Print  |  Notify Moderator

mountainkowboy wrote:

. . . It's not always about the money.........
Dollar and cents are much easier to quantify than customer service. It's human nature to complain about the low-hanging fruit first.

MORSNOW

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Posted: 06/19/19 08:32pm Link  |  Quote  |  Print  |  Notify Moderator

I'm a long time USAA member and have never had an issue with coverage, claims, or cost. It really depends on your driving record, claim history, number of vehicles covered and types of vehicles. And like stated earlier, getting a human within a few seconds who can actually help is worth $100's to me!


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