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USAA is just awesome

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I hounded my father to join so I could get in. Haven't found anything I can use yet although I check their rates every once in a while. But if I wanted to have everything in one place (home/auto insurance, savings, investments) that's where I would go.
 
I used to have pretty much all of my money in USAA, as well as auto insurance. When I moved back to Michigan I had to drop their auto, because the company they went through in Indiana isn't available in Michigan or something, and now the rates aren't even close to competitive.

I don't keep much money in there, but my entire paycheck is still direct deposited there and it's basically my hub. My CC is USAA as well. Their BillPay system is really easy to use, as is the whole website.

Their investment stuff has never seemed all that attractive.
 
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I still keep money in my USAA savings to keep the membership alive and take advantage of discounts, esp. the rental car discounts. I dropped my auto and homeowners insurance with them though. They wanted $1800/year for 100/300/100 on an '09 Acura TL and '07 Civic Si for two 39 year olds with no accidents! I went with Allstate and got 250/500/100 for $1066/year and lowered my homeowners by over $100/year.

Otherwise, they have always been pleasant and helpful when I've had to call them for anything.
 
USAA was formed to provide auto insurance to military people. There was a misconception that all military people were high risk. Despite that, they have some of the best full coverage auto insurance rates. It is restricted to active military, those who served honorably, and their immediate family. I have my banking, auto loans, mortgage, home insurance, auto insurance, personal insurance, and even stock trading through them.
 
rcpratt said:
I used to have pretty much all of my money in USAA, as well as auto insurance. When I moved back to Michigan I had to drop their auto, because the company they went through in Indiana isn't available in Michigan or something, and now the rates aren't even close to competitive.

I don't keep much money in there, but my entire paycheck is still direct deposited there and it's basically my hub. My CC is USAA as well. Their BillPay system is really easy to use, as is the whole website.

Their investment stuff has never seemed all that attractive.
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Really? I live in MI and have fantastic car insurance rates through USAA, so does my wife.

When someone like Geico or Progressive cold calls me and says "We'll beat anybodys rate!" and then I tell them I have USAA, they say "oh nevermind" and hang up.
 
AdamK47 said:
USAA was formed to provide auto insurance to military people. There was a misconception that all military people were high risk.
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Not only that, but they needed an insurance company that was ok with you moving a lot and only needing to be insured 6 months out of the year because you were deployed the other 6.

Try asking another major insurer you want them to freeze your insurance for 6 months while you leave the country, usually they will tell you that it needs to stay insured.
 
Train said:
Really? I live in MI and have fantastic car insurance rates through USAA, so does my wife.

When someone like Geico or Progressive cold calls me and says "We'll beat anybodys rate!" and then I tell them I have USAA, they say "oh nevermind" and hang up.
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I dunno. Obviously Michigan has much higher rates in the first place, but USAA had the best quote in Indiana, here it's not even close. Like double, at least. They were great to work with when I had claims, but since I'm high-risk (under 25, unmarried), I pay enough already.
 
kranky said:
I hounded my father to join so I could get in.
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It drives me nuts that my father didn't join when he was eligible. He works for the State Department, and USAA used to let Foreign Service Officers open accounts as well. They tightened up their membership criteria in the past few years though :-/
 
My dad was in the service so I had USAA insurance growing up, and they were always phenomenal in terms of service. Their rates were not the best, but when I did have claims they were top notch.
 
My parents didn't even serve, my mother signed up a long time ago since her father served, which allowed me to sign up.
 
I have them for checking, savings, CC, personal loan and auto insurance. Their home insurance is top notch but also at a top notch price. Was too much for my blood so i passed on the home insurance.
 
We have the home insurance, it is a good value I think. We got a lot more coverage than what we were getting with allstate for just a bit more. Also have earthquake insurance which allstate wouldn't give us.
 
I'm in the sizeable camp that USAA has lost much of its magical mojo over the last several years.

(-) The Asset Management account pays crap interest, where at one time it was competitive with the highest earning savings accounts. Now, the rate they pay is big bank crap interest level.

(-) The insurance products (home, renters, car) I had with them were competitive, then this year, they raised the prices substantially on me for no reason other than a money grab.

I'm going back to AMICA (rated as good as USAA) for all my needs since they are now cheaper and keep a shell checking account with USAA in case I want to open any products with them in the future without too much hassle.
 
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dr150 said:
I'm in the sizeable camp that USAA has lost much of its magical mojo over the last several years.

(-) The Asset Management account pays crap interest, where at one time it was competitive with the highest earning savings accounts. Now, the rate they pay is big bank crap interest level.

(-) The insurance products (home, renters, car) I had with them were competitive, then this year, they raised the prices substantially on me for no reason other than a money grab.

I'm going back to AMICA (rated as good as USAA) for all my needs since they are now cheaper and keep a shell checking account with USAA in case I want to open any products with them in the future without too much hassle.
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I agree with this as well. I think once they decided to open it up more to regular people it has gone down hill some and will probably continue to go downhill. Especially if the outsource rumor earlier in this thread comes to fruition. It will slowly just become another corporate greedy company in my opinion.
 
Could someone answer my ATM question on page 1?

1. What's with the double ATM fee?
2. How does USAA reimburse the second fee?
 
USAA doesn't have a second fee, I have no idea what is going on with your bank.

This is what USAA looks like:

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rcpratt said:
My parents didn't even serve, my mother signed up a long time ago since her father served, which allowed me to sign up.
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My grandfather served, I suppose my mother got in under him, then I under her.

I was under the impression that they opened up membership to the general public though?
 
I use them for my car, truck, and home insurance. It is cheap plus I get a dividend check back every once in awhile.
 
USAA #1 FUCK YEAH


On paydays I'll ask my coworkers out to lunch sometimes and they'll all be like "nah gotta run to the bank and deposit my check"... What, the check I deposited 5 minutes after receiving, with my phone, with all funds fully available immediately?


Yeah.
 
yh125d said:
USAA #1 FUCK YEAH

On paydays I'll ask my coworkers out to lunch sometimes and they'll all be like "nah gotta run to the bank and deposit my check"... What, the check I deposited 5 minutes after receiving, with my phone, with all funds fully available immediately?
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Doesn't your employer (Amy's Linens) do ACH?.....
 
yh125d said:
USAA #1 FUCK YEAH


On paydays I'll ask my coworkers out to lunch sometimes and they'll all be like "nah gotta run to the bank and deposit my check"... What, the check I deposited 5 minutes after receiving, with my phone, with all funds fully available immediately?


Yeah.
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I know you can scan checks and such, but how does it work with the phone? Taking a picture of it or using an app (Like the Android one for instance) or calling?
 
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