USAA Membership expanded to all who honorably served

Why can't this go in the USAA Thread?

markjoto said: Why can't this go in the USAA Thread?Because those who were not previously eligible ignore that thread. OP - thanks for the heads up!

So dishonorable dischargees not eligible?

ThursdaysChild said: markjoto said: Why can't this go in the USAA Thread?Because those who were not previously eligible ignore that thread. OP - thanks for the heads up!Ok if they ignore that thread, how about this thread?

http://www.fatwallet.com/forums/finance/951082?highlight_key=y&k...

Why we need 3 threads all saying the same thing makes no sense

Wasn't trying to repost, but really, who regularly checks threads that didn't previously apply to them to see if they qualify now? Just wanted to get the word out to the people who could benefit from it.

Well my husband qualified and got a quote for home owner's insurance last week and it was VERY expensive compared to the other 5 companies we received quotes for the same levels of coverage - 30% higher in fact!

I don't care what kind of red carpet treatment people say they give their members, 30% more is just ridiculous.

my das was just a korean war vet, never an officer or anything, and honorably discharged. Will that put him in a more expensive tier? Also if I gain membership through him, will that put me in his pricing tier or an even higher pricing tier?

retmil said: redsox9547 said: TxAggieJen said: Well my husband qualified and got a quote for home owner's insurance last week and it was VERY expensive compared to the other 5 companies we received quotes for the same levels of coverage - 30% higher in fact!

I don't care what kind of red carpet treatment people say they give their members, 30% more is just ridiculous.

Has to do with whether your husband is/was an officer or enlisted as different groups are assigned to different insurance companies within USAA hierarchy..

That is a BS response a USAA CSR gave once in reply to "why are my rates higher than....." and it's been passed on as fact ever since. There is no special company or different tiers for officer/enlisted.

Umm you don't know what you are talking about. USAA is made up of several different companies. The different companies represent different groups of USAA members and the pricing between groups is quite different. People that are members through their parents or as junior enlisted (less than 4 years active duty or until you reach E5 whichever is first) get the worst rates. These rates are relatively cheap but were never the cheapest option for me. I am currently in the NCO category and rates are cheaper than I have been able to find anywhere else.

Wikipedia said: USAA Insurance services are provided by a variety of wholly-owned subsidiaries. Adult children of USAA members and U.S. Military junior enlisted personnel make up a group known at USAA as "associate members" insured through a subsidiary called USAA-Casualty Insurance Company (USAA-CIC). USAA-CIC is not an insurance exchange but rather a Delaware Insurance Corporation. This is a subtle nuance but is important concerning the return of profits - described below. Non-standard-risk drivers are insured by subsidiaries like USAA's County Mutual Insurance Company or USAA-General Indemnity Company. USAA also insures members in Europe through its subsidiary, USAA Limited.

I am an USAA member for 10+ years, and live in 2 states (CA and VA). USAA rates for CA (SoCal specifically) seem to be very high, both auto and home. Where as in VA (and MD) is is very competitive. So don't naturally assume USAA is always the most competitive on price. But one thing for sure their services are good and prompt, and easy to deal with on claims.

SUCKISSTAPLES said: my dad was just a korean war vet

He was JUST a korean war vet? Damn bro I thought that war ended 40 years ago. Well I am glad that you have him back in your life finally.

retmil said: chimeer said: retmil said: redsox9547 said: TxAggieJen said: Well my husband qualified and got a quote for home owner's insurance last week and it was VERY expensive compared to the other 5 companies we received quotes for the same levels of coverage - 30% higher in fact!

I don't care what kind of red carpet treatment people say they give their members, 30% more is just ridiculous.

Has to do with whether your husband is/was an officer or enlisted as different groups are assigned to different insurance companies within USAA hierarchy..

That is a BS response a USAA CSR gave once in reply to "why are my rates higher than....." and it's been passed on as fact ever since. There is no special company or different tiers for officer/enlisted.

Umm you don't know what you are talking about. USAA is made up of several different companies. The different companies represent different groups of USAA members and the pricing between groups is quite different. People that are members through their parents or as junior enlisted (less than 4 years active duty or until you reach E5 whichever is first) get the worst rates. These rates are relatively cheap but were never the cheapest option for me. I am currently in the NCO category and rates are cheaper than I have been able to find anywhere else.

Wikipedia said: USAA Insurance services are provided by a variety of wholly-owned subsidiaries. Adult children of USAA members and U.S. Military junior enlisted personnel make up a group known at USAA as "associate members" insured through a subsidiary called USAA-Casualty Insurance Company (USAA-CIC). USAA-CIC is not an insurance exchange but rather a Delaware Insurance Corporation. This is a subtle nuance but is important concerning the return of profits - described below. Non-standard-risk drivers are insured by subsidiaries like USAA's County Mutual Insurance Company or USAA-General Indemnity Company. USAA also insures members in Europe through its subsidiary, USAA Limited.
Wow, wrong info made it to Wiki. Big surprise.

That info is in fact accurate. Try calling USAA and asking them about USAA - Casualty Insurance Company, or just google it. It's used for what USAA calls ex-dependents as well as junior enlisted. They also have USAA County Mutual in Texas and USAA - General Indemnity Company which is used for anyone otherwise eligible for any other USAA company or association who are deemed to be high risks (i.e. multiple auto accidents/tickets).

To those getting quotes from USAA with higher rates....depending on how much higher they are, USAA is PROBABLY worth it depending on who the other company is. I have had a few claims and 1) have never had to haggle about the amount paid and 2) haven't had rates go up after a claim. There are definitely multi-product discounts as well as loyalty/longevity discounts that come into play as well. Also, consider calling USAA and telling them what your rate is with your current company and see what they will do.

-z

SUCKISSTAPLES said: my dad was just a korean war vet, never an officer or anything, and honorably discharged.

Tell him "Thanks" from me..........

I was thinking of applying for a USAA credit card but I've seen so many reviews and comments on the Web that USAA service has gone horribly downhill that I haven't yet.

g10ny said: OK, so I know P&C eligibility can be "inherited" from dad to daughter. What about further, to the daughter's spouse?
Once the daughter becomes P&C eligible, the spouse can become P&C eligible.

zski1 said: retmil said: chimeer said: retmil said: redsox9547 said: TxAggieJen said: Well my husband qualified and got a quote for home owner's insurance last week and it was VERY expensive compared to the other 5 companies we received quotes for the same levels of coverage - 30% higher in fact!

I don't care what kind of red carpet treatment people say they give their members, 30% more is just ridiculous.

Has to do with whether your husband is/was an officer or enlisted as different groups are assigned to different insurance companies within USAA hierarchy..

That is a BS response a USAA CSR gave once in reply to "why are my rates higher than....." and it's been passed on as fact ever since. There is no special company or different tiers for officer/enlisted.

Umm you don't know what you are talking about. USAA is made up of several different companies. The different companies represent different groups of USAA members and the pricing between groups is quite different. People that are members through their parents or as junior enlisted (less than 4 years active duty or until you reach E5 whichever is first) get the worst rates. These rates are relatively cheap but were never the cheapest option for me. I am currently in the NCO category and rates are cheaper than I have been able to find anywhere else.

Wikipedia said: USAA Insurance services are provided by a variety of wholly-owned subsidiaries. Adult children of USAA members and U.S. Military junior enlisted personnel make up a group known at USAA as "associate members" insured through a subsidiary called USAA-Casualty Insurance Company (USAA-CIC). USAA-CIC is not an insurance exchange but rather a Delaware Insurance Corporation. This is a subtle nuance but is important concerning the return of profits - described below. Non-standard-risk drivers are insured by subsidiaries like USAA's County Mutual Insurance Company or USAA-General Indemnity Company. USAA also insures members in Europe through its subsidiary, USAA Limited.
Wow, wrong info made it to Wiki. Big surprise.

That info is in fact accurate. Try calling USAA and asking them about USAA - Casualty Insurance Company, or just google it. It's used for what USAA calls ex-dependents as well as junior enlisted. They also have USAA County Mutual in Texas and USAA - General Indemnity Company which is used for anyone otherwise eligible for any other USAA company or association who are deemed to be high risks (i.e. multiple auto accidents/tickets).

To those getting quotes from USAA with higher rates....depending on how much higher they are, USAA is PROBABLY worth it depending on who the other company is. I have had a few claims and 1) have never had to haggle about the amount paid and 2) haven't had rates go up after a claim. There are definitely multi-product discounts as well as loyalty/longevity discounts that come into play as well. Also, consider calling USAA and telling them what your rate is with your current company and see what they will do.

-z

Confirmed. My husband and I are members through his dad who was an officer in the Navy. I just checked, he is insured by "USAA UNITED SERVICES AUTOMOBILE ASSOCIATION" and we are insured by "USAA CASUALTY INSURANCE COMPANY". No wonder why it was just a tad bit pricier to get our home insurance thru them. Though we did get the annual P&C dividend for the car ins. From the website:

1 The insurer of your property can be determined by looking at the alpha prefix in your policy number. The prefix USAA means you are insured by UNITED SERVICES AUTOMOBILE ASSOCIATION; the prefix CIC means you are insured by USAA CASUALTY INSURANCE COMPANY; the prefix GIC means you are insured by USAA GENERAL INDEMNITY COMPANY; the prefix GAR means you are insured by GARRISON PROPERTY AND CASUALTY INSURANCE COMPANY; the prefix LLYD means you are insured by USAA TEXAS LLOYD'S COMPANY; and the prefix LTD means you are insured by USAA LIMITED.