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

[colorider]

Have had USAA for over 27 yrs. In the past 4 yrs, I?ve had to contact them for various reasons. A few claims, add a car, take off cars, change stuff on policies. EVERY experience with them has been a disaster. The people on the phone are completely incompetent and do not listen. To make it worse, they are very hard to understand. Some are foreign, and the others seem to speak some sort of Ebonics. My last 2 claims, they based what they are going to pay by a ?virtual? inspection of the car/truck. Didn?t even have somebody look at them in person. My truck claim last year they said it was $17,000 in damage. Work was completed by the Ford dealer?s body shop for $1700. Monday our 17yr old bonked the back of a pickup with a trailer hitch installed. He was in his Honda Civic. Again, they did a ?virtual inspection? today and left a voice mail w my wife saying, ? Civic is a total loss, we will have the adjuster send you the information in the next couple days? I?m no expert, but is this virtual inspection shit common these days? Mostly I?m too fed up with their horrible customer service to keep them around. I also feel tenor rates are much higher compared to other companies. That?s just from some brief looking though. Anyone else have bad service from USAA, or am I just being a grumpy getting older fart.
Any suggestions for a good Auto insurance company. Currently insuring 5 vehicles and 1 toy hauler.

[eddiememphis]

Find an independent agent to shop for you. They generally contract with 12 to 15 different carriers and can shop them all with one click of a button.

My brother-in-law is one, having moved from a captive agency, farmers to being independent, so he can sell whatever brand he contracts with.

If you want his contact information, let me know.

[3beansalad]

I just compared rates for auto, RV and home owners. For me, USAA has been doing a great job in service and price. (I must be lucky) Good luck in your search.

[Hoser]

Customer service with USAA has been dogshit for the past 5-10 years.

[Scanker19]

Customer service with USAA has been dogshit for the past 5-10 years.

No shit, banking side too. Something happened there that turned the company to shit. Maybe they should spend less money on annoying USAA hold time songs and more on competent people. They somehow once issued me a ID card for a car that they didn’t have insured.
I’m about to start shopping around myself.

[brutal]

I just renewed with Progressive but am considering shopping them only on price.

They're always been hassle free and nothing but great* to me as an insured.

I just had an adjuster here today on my hail damage truck and he found WAY more than I thought there was.

* I always caveat that statement with the one time, as the injured party (my minor son) of a Progressive insured party (his friend's mom), we had to sue them AND my auto carrier at the time (AmFam) to get $180K in medical paid. Auto rollover by unlicensed driver (mom knew he was driving and it was her car), my son almost died, 6 weeks in ICU/critical care/surgical, then 30 days in Craig rehab. Still fucked up (TBI). Progressive tied to deny coverage, AmFam wouldn't pay the bills (it's up to them to subrogate the costs) They not only got to pay, but also a wrote a settlement check for bad faith. I tried to force it to a jury trial but the wife won that argument. I still think his payout would have been 4x what he took.

[00tec]

When Usaa closed all the centers where you could walk in to somewhere and physically yell at someone, their service went to shit.
Their savings rates suck
Their auto rates suck
Their insurance rates suck
Their banking support sucks (I get declined every time I try to use Walmart pay at the gas station, never get a notice or anything).

I had good experience with them in the past, but when their rates doubled for the same coverage I get elsewhere, they are expendable. Been thinking of moving my banking from there too.

Hell, some car dealers refuse to deal with them because they are too slow to pay out. My aunt bought a car from a dealer that went under. USAA sent the payment without the title, so she had to pay a bond to title the car.

[battlemidget]

I suggest you call a broker as there are many more choices than there were just 10 years ago, and the broker can add value by shopping around for you.

[theGinsue]

Too many horror stories with USAA to recount here, now. Interested in what you find out as I'm considering making the move too.

I definitely know I don't want one of those cut rate insurance companies that don't end up providing coverage/actual value for a claim (I heard Liberty is horrible for that).

[Bailey Guns]

USAA can kiss my a55...

I've had nothing but problems with them with the exception of an auto loan. Their homeowners and auto insurance blows.

I had State Farm for auto (and homeowners since I became a homeowner) from the time I started driving until about the mid 2000s. I dumped them because they raised my rates almost 50% (no accidents, tickets or claims) and tried to tell me it was because their costs had gone up that much. Bullshit... I went with GEICO and they were great for years until the same thing happened...they just started raising our rates until they priced themselves out of a customer.

I've had Progressive for about the last year and have no complaints...yet.