Thinking of dumping USAA auto insurance. Any suggestions for Auto?

[colorider]

Well, we just got the offer from my son’s incident. His Civic is “a total loss”. They are offering us $2500. Minus the deductible we will get a check for $2000. Their virtual inspection and their comps in coming up with a price seems to have missed the fact his 94 civic has a JDM type R vtec with headers in it. Something they were aware of and charging for in their premiums. I’m going to bring this up to decline their offer and see what they come up with. I have enough free time in the next 2 days to be a dick and see where we can go with this. Then, make a decision on what to do with the car. Hell, parts for this thing are dirt cheap and available all over the internet. From my lounge chair mechanic experience, it looks like a project we could fix in about a week or 2. The frame and major parts didn’t get a dent. USAA will definitely be dumped after this though. I’ve had Progressive on my motorcycles for years and have always been happy and enjoyed my dealings with them on the phone. I’ll see what their rates are tomorrow.

[Scanker19]

Once they recombined mine and my ex wife’s accounts. That was funny. Good thing her and I get along reasonably well.

[D_F]

I've been with USAA for 32 years. I echo the loss of a once great company. When I first signed up it was strictly word of mouth in WOC school. Nobody could touch them on price or service. Now they advertise on national TV during the super bowl. I'm looking for a replacement as well.

[colorider]

Things are more interesting now for me. When the crunch happened on Monday, The car was towed to Connoly's towing yard. BTW, they were awesome. Very nice service. When we made the claim with USAA on Tuesday, they said they are going to pick up the car and bring it to "Their inspection and claims" storage yard. Or something very similar to that. Turns out, they picked it up and delivered it to Copart Auto Auction's yard/business site. That is where the "Virtual Inspection" was done and where it sits now. Sure seems like they had made a decision on what they were going to do before they even picked it up, and were not do truthful on where the car was headed. On the other hand, the person we spoke to from USAA pretty much only knew what she was reading from her computer screen. I swear she was even reading her own name off the screen she was so inept. Every question we had was only after she typed the question into her computer, or she had to "ask a supervisor" Even things that I would consider routine and every day questions. We may take the $2000 offer and see what we can get the car for at the auction. Or, just let the shitbox go. Or, pick it up and do no claim. My son is learning a lot this week. We got the car 2 weeks ago. It has been a car model he has wanted since he was 13yrs old. I finally broke down and we made the deal together. We had all kinds of plans for the thing, and now this. He's emotionally attached to it, and he is really bummed he fucked up. He's also learning that making payments on a car that you can't drive, or may not even own really sucks!!!! Life lessons.

[Mercula]

Ya know I?m glad to see this isn?t just me. I?ve had Usaa my whole life. Things have gone down hill to the point I?d like to change too. Anytime they are involved somehow they are trying to fuck me. We bank with them too and we have had to dispute charges and they always side with the other party , I?ve had their own employees even start talking shit about how they do things.

[.455_Hunter]

Over 20 year auto/home insurance member here too. Nothing negative to report, including the recent claim on my totaled vehicle, but am following the discussion.

[Hoser]

I was always willing to ignore the little stuff when they were a smoking deal. Now days, not so much.

[Jim B]

Try American National: https://www.americannational.com/wps...enu/find-agent

[crays]

Try American National: https://www.americannational.com/wps...enu/find-agent

I've had home & auto w/AN for ~15yrs. Service has been good (other than the roof replacement changes they made right before I was about to need one - but that's for another thread).
My agent has been very easy to work with, and if you do home and auto they have an annual rebate program. Not the cheapest option available, but included coverage vs upcharge options elsewhere sealed the deal for me.

Sent from somewhere

[Jim B]

...if you do home and auto they have an annual rebate program.

I think ANPAC no longer offers homeowner's insurance in Colorado.