Yes, USAA offers discounts on rental cars from Enterprise, Avis, Budget and Hertz Car Rental. The exact amount of a USAA rental car discount depends on factors such as the type of car and the length of the rental period, but USAA customers can save up to 25%. In order to get a discount, you will need to provide the rental car company with your USAA policy number.
USAA Rental Car Discounts
USAA Customer Discount
up to 5%
up to 25%
up to 25%
up to 25%
Can I Use USAA’s Insurance for My Rental Car?
If you have liability, comprehensive, or collision coverage on your USAA policy, they will transfer to your rental car. Your rental car will have the same coverage limits as your personal car. As long as the car you’re renting is of similar value to your own, you can probably skip the rental company’s coverage. You’ll also want to pass on rental insurance at the counter if you plan to use a credit card as secondary coverage.
Yes, USAA offers rental car insurance. If you already have a personal auto policy with USAA that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with USAA, physical damage to the rental vehicle will not be covered.… read full answer
You can talk to a USAA customer service representative at 1 (800) 531-8722 to see if your personal policy will extend to your rental car. If you do not have sufficient coverage through USAA to cover your rental car, you can purchase insurance from your rental car company, or see if it is offered by your credit card company.
USAA Rental Car Coverage
Liability Insurance. USAA liability insurance will usually extend to your rental as long as you are driving in the U.S. Your personal liability insurance will pay for others’ medical expenses and repairs to others’ property resulting from an accident you caused in your rental vehicle.
Collision and Comprehensive Insurance. If you have collision and comprehensive insurance with USAA, this will typically cover any damage that occurs to the rental vehicle itself during your rental period. However, your USAA collision and comprehensive coverage limits may not be high enough if you are renting a car with a much higher value than your personal vehicle and the car gets totaled.
Personal Injury Protection or MedPay. If you have personal injury protection (PIP) or MedPay through your personal auto policy, medical expenses for you and your passengers will be covered even after a rental car accident. If you do not have either type of coverage, you can purchase personal accident insurance through the rental car company.
USAA also offers rental car reimbursement coverage, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add rental reimbursement to your policy, USAA will pay dependent on the rental vehicle toward the cost of your rental, up to 30 days or $900 per claim. You select specific rental car reimbursement limits when you purchase the add-on. For example, if you choose $25 per day/$600 per loss as your rental reimbursement limits, USAA will pay up to $25 per day, but no more than $600 per claim for your rental. You're covered for a rental when your vehicle repairs are started, or immediately if your vehicle isn't drivable.
USAA roadside assistance is worth it for drivers who are looking for basic coverage at a low price. USAA customers can purchase roadside assistance as a policy add-on for $12 to $20 per year in order to get coverage for things like towing, gas delivery, and flat-tire changes.
USAA roadside assistance members can request service online or call 800-531-8555.… read full answer
What USAA Roadside Assistance Covers
Towing to the nearest repair facility
Locksmith services for lost keys or keys locked in the vehicle
Jump starting a battery
Changing a flat tire
USAA Roadside Assistance vs. Popular Competitors
$12-$20 per year
$14 per year
$16 per year
Anywhere within 50 miles
To the nearest qualified repair facility
15 miles or the nearest qualified repair shop
Only applicable if you're stuck on or near a public road
Tire Change, Jumpstart, Fuel Delivery
Other Key Things to Know About USAA Roadside Assistance
It’s worth noting that USAA roadside assistance does not include battery replacement and only offers extraction if your car is stuck on or near a public road. Additionally, drivers will need to pay out of pocket for a new key or for the gas itself in the event of a lockout or refueling service call.
Since USAA roadside assistance is fairly basic compared to the roadside assistance offered by most auto clubs, it might not be worth it for drivers who want robust coverage and extra perks. Plus, if you are not already a USAA member, you’ll need to qualify in order to get USAA car insurance with roadside assistance.
USAA Roadside Assistance Reviews
USAA roadside assistance ranks 13th out of 22 companies in WalletHub’s analysis of the best roadside assistance providers. Despite its low cost, USAA roadside assistance offers only average coverage and does not allow customers to choose between multiple levels of coverage. Major insurance companies that rank above USAA include Travelers, Nationwide, and Progressive, since they offer more coverage options than USAA.
WalletHub’s USAA Car Insurance Review gave USAA 3.3 out of 5 stars, noting its low prices and many discounts. However, USAA’s customer service has received many complaints. This dissatisfaction extends to USAA’s roadside assistance, according to customer reviews. Several drivers have noted long wait times and difficulty getting in touch with a representative.
How to Decide if USAA Roadside Assistance Is Worth It
Your driving habits and budget are the most important factors when deciding if it’s worth purchasing roadside assistance through USAA. If you have a long commute or frequently take road trips far from home, USAA might not provide enough coverage for you. On the other hand, drivers who do not anticipate needing winching or long-distance towing will find USAA to be a budget-friendly choice.
If USAA roadside assistance does not offer enough coverage for your specific needs, it’s a good time to compare quotes and see if it’s worth switching car insurance providers. Otherwise, you can always maintain your USAA policy and purchase roadside assistance from an auto club like Better World Club or Good Sam. Auto clubs are generally more expensive than USAA but provide more coverage along with added discounts and perks.
USAA rental reimbursement pays for the cost of a rental car after the policyholder’s vehicle is damaged by a covered cause, such as an accident. Rental car reimbursement insurance from USAA usually costs less than $10 per month, and drivers can select coverage limits per day and per claim, which vary based on the state and the type of vehicle rented. This coverage does not apply to rental vehicles used while the car is undergoing routine maintenance, and drivers typically need … read full answercollision and comprehensive coverage to be eligible.
Here’s how USAA rental reimbursement works:
You add rental reimbursement coverage to a USAA car insurance policy that includes collision and comprehensive coverage.
The rental reimbursement coverage kicks in when you file a collision or comprehensive claim.
If you rent your car from Enterprise, USAA will be billed directly.
Otherwise, you’ll pay for the rental yourself and be reimbursed later.
In general, rental reimbursement coverage is worth it if you think you are likely going to be in a car accident and need a rental car within the next few years. If not, then you likely won’t get much from the coverage, even though it’s relatively cheap. To learn more, check out WalletHub’s guide to rental reimbursement insurance.
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