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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?
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.
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..
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?
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.
Message edited by: retmil on 2009-11-08 03:00:12 CST
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.
Message edited by: chimeer on 2009-11-08 06:45:43 CST
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.
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.
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