How do I file a complaint with USAA? This question is about USAA Insurance

How do I file a complaint with USAA?

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This question is about USAA Insurance

WalletHub, Financial Company

@WalletHub • 02/17/21 This answer was first published on 02/17/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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To file a complaint with USAA, customers can call USAA customer service, talk to a company representative through USAA’s online portal, post about the company on social media, or mail a written complaint. Customers can also file a complaint about USAA with the Better Business Bureau (BBB) or their state’s insurance regulator.

How to File a Complaint With USAA

1. Call USAA.

Customers can call USAA at 1-210-531-USAA (8722) (or dial #USAA from a cell phone) to speak with a customer service representative and report the details of their complaint.

2. File your complaint online.

Customers can chat with a USAA representative through the company’s online portal.

3. Write USAA a letter.

Customers can mail a written complaint to USAA's headquarters: 9800 Fredericksburg Road, San Antonio, Texas, 78288. They must indicate the specific department the complaint is about in the address, such as car insurance, banking, or fraud.

4. Tweet.

USAA has an official Twitter account, @USAA_help, for customer service outreach.

What You Need to File a Complaint With USAA

Your name, address, and phone number
The name of any specific agent/broker
Your policy number
Any relevant claim number
The details about your complaint/concern

Other Places to File a Complaint Against USAA

Better Business Bureau. Customers can file a complaint against USAA with the Better Business Bureau (BBB) through the Bureau’s online claim submission process. The Better Business Bureau forwards complaints to USAA within two days, and customers will be notified of the company’s response or if USAA fails to respond.

WalletHub. Drivers can write a review of USAA on WalletHub if they have a complaint they’d like to bring to the attention of the company as well as other consumers.

The bottom line is that if you're disappointed with any element of USAA's service, you can rest easy knowing that you have several options for filing a complaint.

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Alternatives to a USAA Extended Warranty

American Family Mechanical Breakdown Insurance

Like extended warranties, mechanical breakdown insurance covers damage to major systems in a vehicle, including the engine and transmission.

For more information, check out WalletHub’s guides to mechanical breakdown insurance and extended car warranties.

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Is USAA roadside assistance worth it?

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

Gas delivery

Jump starting a battery

Changing a flat tire

USAA Roadside Assistance vs. Popular Competitors

Company	USAA	Geico	Progressive
Average Cost	$12-$20 per year	$14 per year	$16 per year
Towing Limit	Anywhere within 50 miles	To the nearest qualified repair facility	15 miles or the nearest qualified repair shop
Winching	Only applicable if you're stuck on or near a public road	Safe distance	100 feet
Tire Change, Jumpstart, Fuel Delivery	Yes	Yes	Yes

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.

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Why is USAA so cheap?

USAA is so cheap because the company is the largest insurer of the military community, and that volume allows USAA to offer more competitive rates. USAA has more than 6% of the total private-passenger insurance market, despite only offering coverage to service members. A minimum coverage policy from USAA costs an average of $53 per month, and USAA premiums can be made even cheaper by taking advantage of discounts such as paid-in-full discount and annual mileage discount. Plus, USAA rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.… read full answer

Average Monthly Rates for USAA vs. Top Competitors

Company	Minimum Coverage	Full Coverage
USAA	$53	$167
State Farm	$77	$218
Progressive	$54	$168

Note: Premiums are representative of a 45-year-old good driver in CA; individual premiums will vary.

USAA is especially cheap for young drivers in particular. That’s because USAA has special savings opportunities for drivers in this category, such as discounts for students who maintain at least a B average.

Your final premium is based on a variety of factors, though, such as your driving record, insurance history, and more. Every insurance company determines their rates differently, so even though USAA is among the cheapest car insurance companies, the only way to confirm you’ve found the lowest price is to compare quotes from multiple companies.

To learn more, check out WalletHub’s review of USAA and see USAA’s full profile.

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