USAA provides its car insurance customers with several discounts, such as safe driver, good student and multi-vehicle discounts.
USAA provides other advantages, including accident forgiveness coverage and free roadside assistance, in addition to having reasonably low prices when upgrading from low coverage to medium coverage.
Additionally, this membership-only service offers various discounts on shipping, storage and moving services for its members.
Drive Safely
USAA provides discounts for safe driving, including up to a 30% safe driver discount and defensive driving course discounts for drivers younger than 21 in certain states.
SafePilot from your insurance company uses your phone’s sensors to track and score your driving habits, rewarding safe drivers while penalizing handheld or hands-free phone usage while behind the wheel. Your SafePilot discount depends on how well you drive; however, its availability depends on policy terms; unfortunately it’s currently unavailable in California, Delaware, or New Jersey.
Discounts may also apply if your car has lower repair costs or is safer, or if you opt out of collision coverage altogether. Furthermore, setting a higher deductible reduces premium costs further.
USAA provides numerous discounts that may help save you money on car insurance policies, from low mileage discounts to being able to insure multiple vehicles on one policy. Some discounts may be exclusive to USAA while others may be more widely offered; an excellent example would be USAA’s accident forgiveness add-on which waives your deductible after your first accident and won’t raise rates if claim-free status continues for five years; so make sure you ask about them if saving money is an objective of yours.
Keep a Clean Driving Record
Many insurers provide safe driving discounts as a reward for practicing safe habits behind the wheel. USAA’s SafePilot program, for instance, can save drivers up to 30% by monitoring their speed, acceleration, hard braking, phone usage and other behaviors like phone usage while on the road. Keep in mind, however, that your data won’t be used to increase or decrease premiums – simply cancel at any time!
USAA provides multiple ways for its customers to save, such as enrolling in defensive driving courses, adding multiple vehicles under one policy and taking driver education courses. You may even save more by driving less miles – which reduces accident risks! You could get discounts for driving less mileage each month as driving less means fewer opportunities for accidents! Taking advantage of discounts available due to long-time customership or by bundling policies may further extend savings opportunities.
Remember, however, that lower overall car insurance prices should always be your goal. Therefore it’s advisable to shop around and obtain quotes from multiple insurers to make sure you’re paying the least expensive rate for coverage you need – USAA provides information and tools to compare rates and determine how much money can be saved by switching providers.
Maintain a Good Credit Score
USAA provides its policyholders with various discounts, such as bundling, loyalty, vehicle storage and safe driver discounts of up to 30% on auto insurance premiums for members who use USAA’s telematics app SafePilot to monitor driving habits such as phone usage or harsh braking.
USAA also offers car repair discounts and roadside assistance coverage, which can both reduce your premium. Payment options for your premiums include mail, online payments, paying in person with their app or over the phone – they even let you make payments over either six months or 12 months to make budgeting simpler!
USAA policies also come with optional add-on coverage options that could lower your rates, such as rental car reimbursement and personal injury protection (PIP), which cover medical bills or lost wages after an accident. Although these are optional features, it’s wise to compare quotes before making your decision.
USAA stands out as an excellent car insurance option for active military service members and their families, with competitive pricing and benefits such as savings for good drivers, being claims-free and taking defensive driving courses. Furthermore, their customer service scores consistently rank highly; yet their prices may not be the cheapest on the market so do your research before selecting an insurer.
Enroll in a Defensive Driving Course
USAA provides auto coverage options and discounts that range from discounts for safe drivers, such as its SafePilot program that awards drivers who demonstrate safe driving habits with discounts of up to 30%. USAA also provides add-on insurance such as Car Replacement Assistance coverage and Medical Payments coverage that serve similar functions compared with gaps and roadside assistance policies; Clark notes however, that these extra policies may not be necessary depending on other policies already taken out.
USAA members in New York can save up to 10% off the base rate of their liability and collision premiums by enrolling in an online defensive driving course. This course teaches drivers how to avoid accidents by managing visibility, time, and space on the road; once completed they will be awarded a certificate that can be submitted to New York DMV to reduce four points from their driving record.
USAA’s defensive driving course is convenient and self-paced, making it easier for customers to complete classes at their own pace. Before enrolling, drivers are strongly advised to speak to one of their customer representatives to determine eligibility. Furthermore, drivers taking the class for discounted rates should inform their agent immediately in order to maximize savings – this could significantly alter any savings gained.
