USAA offers a good driver discount but does not advertise a specific amount, since it varies by state. In order to receive a USAA good driver discount, drivers must be accident-free for five years. This can even include time that you've been insured by another company.
After you get into an accident, you will have to wait five years in order to qualify for the discount again. Additionally, accidents that are forgiven by USAA accident forgiveness still count against your good driver discount, even though your base premium will not go up.
If you don’t qualify for USAA’s good driver discount, there are still ways to save on your premium. For example, USAA offers a multi-vehicle discount for drivers who insure more than one vehicle on their policy. You can also lower your rate by altering your coverage or increasing your deductible.
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.
Locksmith services for lost keys or keys locked in the vehicle
Jump starting a battery
Changing a flat tire
Other Key Things to Know About USAA Roadside Assistance
It’s worth noting that USAA roadside assistance does not include services like battery replacement or extraction if your car is stuck in mud, snow, or water. 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.
To get a defensive driving discount, check your state and insurance company requirements, then take an approved online or in-person defensive driving course, and give the insurance company a copy of your completion certificate. Six of the 10 largest car insurance companies advertise defensive driving discounts on their websites, as do many smaller insurers. In addition, 34 states and Washington, D.C. require insurance companies to provide a defensive driving discount to eligible drivers.… read full answer
A defensive driving discount usually ranges from 5% to 20% and is generally applied each year for three consecutive years. You can renew the discount after three years by taking the defensive driving course again. Class prices can vary widely, but most online defensive driving courses cost between $20 and $40.
Defensive driving classes focus on avoiding collisions and handling challenging situations on the road. They are usually intended for experienced drivers who haven’t taken drivers ed in a while. In some states, you might need to be 50, 55, or 65 years old to qualify for a defensive driving discount. In others, drivers may be eligible starting at age 25, or even at any age.
You may not qualify for a defensive driving discount if you have a recent at-fault accident or violation on your driving record, although you can still take a course for learning purposes. Similarly, defensive driving classes may be ordered by a court in response to a driving conviction such as speeding or reckless driving. And in some states, you may be able to erase a ticket from your record by taking such a course. These court-mandated classes might not result in a premium decrease the way a voluntary one would, but they can prevent your premium from increasing as a result of your citation.
To find hidden auto insurance discounts, look up your insurance company’s discounts online, check your state’s mandatory discount laws, and contact your insurance agent or the company’s customer service department. Since discounts vary significantly by location and company, discounts might be “hidden” in that they are not widely advertised, like a buy-in-advance discount. Similarly, some of the most commonly overlooked auto insurance discounts are … read full answerdriver monitoring discounts, paid-in-full discounts, and the AARP driver safety course discount because they usually aren’t automatically applied.
Hidden Auto Insurance Discounts
Low mileage or short commute discount
AARP driver safety course discount
Buy or renew in advance discount
Automatic or electronic payment discount
Driver monitoring discount
Hybrid or electric car discount
Anti-theft or Lojack discount
Farm vehicle discount
Car insurance companies do not fully disclose the formulas they use to calculate a driver’s premium. However, most states allow a driver’s demographic information, credit history, vehicle information, and driving record to affect rates. As a result, you could also get a “discount,” in the sense of getting a lower base premium, by changing one of these factors. For instance, car insurance is generally cheaper for married individuals because they are statistically likely to be low-risk.
Since your demographic information is unlikely to change, focus on improving your credit history and driving record if you want to lower your base premium. If your car is particularly expensive, fast or unsafe, trading it in for a safer, less valuable model will help lower your insurance premium, too. Similarly, increasing your deductible and eliminating any unnecessary coverage can also help save you money, acting like a hidden discount.
If you’re looking for extra savings, it’s worth double checking the most common car insurance discounts as well as the most often overlooked ones listed above. Finally, no matter how many discounts are being applied to your policy, it’s best to frequently compare quotes from different insurers.
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