The General Insurance vs. USAA Insurance

The USAA phone number is (800) 531-8722 for customer service, and customer service representatives are available Monday to Friday, 6 AM to 10 PM, and Saturday, 8 AM to 8 PM CT. You can also contact USAA by logging on to your USAA online account, mailing a written request, or visiting a local agent. 

How to Contact USAA

• Call (800) 531-8722 to speak with a customer service representative
• Go to USAA's website and use the chat function
• Mail your request to USAA at USAA / 9800 Fredericksburg Rd. / San Antonio, TX 78288
• Visit an USAA agent in person if there is one nearby

Exactly what you're looking to do will determine the best way to contact USAA. For instance, to file a claim, you can file online or through the USAA mobile app. However, to cancel your policy with USAA, you will most likely need to call (800) 531-8722.

USAA Phone Numbers

To learn more, check out WalletHub's full review of USAA.

Yes, USAA offers roadside assistance starting at between $12 and $20 per year. USAA roadside assistance provides coverage for things like jump-starting, fuel delivery, tire changes, and lockout assistance, up to 4 rescues per year. To get immediate roadside assistance help, USAA members can request service online, through the USAA mobile app, or by calling 800-531-8555.

What USAA Roadside Assistance Covers

• Tow Service
• Jump starts
• Fuel delivery
• Lockout service
• Tire change
• Stuck vehicle

USAA Roadside Assistance vs. Popular Competitors

USAA roadside assistance generally costs less than memberships with auto clubs like AAA, you will have to carry comprehensive and collision coverage to get roadside assistance, which adds to your overall price. The exact cost of roadside assistance from USAA will depend on where you live, what type of car you drive, and other factors. Since it's relatively affordable USAA roadside assistance is worth it for drivers who are looking for basic coverage at a low price.

It's also important to note that coverage is subject to any other details stated in your policy. That could mean service charges for certain roadside events, like being towed over a certain number of miles or to specific garages.

To purchase roadside assistance from USAA, call 800-531-8555 to speak with a customer service representative.

To learn more, check out WalletHub's full review of USAA, as well as our picks for the best roadside assistance companies.

The General's phone number is 1 (844) 327‑9870 for general inquiries, and customer service representatives are available 7 AM to 9 PM Monday through Thursday, 7 AM to 8 PM on Friday, and Saturdays from 8 AM to 4 PM CT. You can also contact The General by visiting The General's website and emailing customer service or visiting a local agent. 

How to Contact The General

• Call 1 (844) 327‑9870 to speak with a customer service representative
• Go to The General's website and use the chat function
• Mail your request to The General at 6000 American Parkway / Madison, WI 53783‑0001
• Speak with a The General agent in person if there is one nearby

Exactly what you're looking to do will determine the best way to contact The General. For instance, to file a claim, you can file over the phone or through the mobile app. However, to cancel your policy with The General, you will most likely need to call 1 (844) 327‑9870.

To learn more, check out WalletHub's full review of The General.

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 

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 has free towing for customers with their roadside assistance coverage. USAA roadside assistance is provided by Cross Country Motor Club, generally costs between $12 and $20 per year and includes free towing up to 50 miles. USAA customers can request roadside assistance online, or they can call 800-531-8555.

USAA Roadside Assistance Covers:

• Towing up to 50 miles
• Flat tire changes
• Jump starts
• Gasoline delivery
• Lockout services

While USAA roadside assistance covers towing and other services, it doesn't cover the cost of repair parts, replacement keys, or major fixes due to things like engine failure or structural damage.

To learn more, check out WalletHub's USAA review, as well as our picks for the best roadside assistance companies.

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.

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. 

To learn more, check out reviews of USAA on WalletHub, as well as our guide to rental car insurance.

Yes, USAA does offer a type of gap insurance called Total Loss Protection, which is only available to USAA customers who get a car loan through USAA. Total loss protection helps cover the difference between a totaled car's actual cash value and the policyholder's loan or lease balance.

Key Things to Know About USAA Total Loss Protection

• USAA Total Loss Protection costs $20 per six-month policy.
• USAA Total Loss Protection loan/lease coverage may pay for your deductible.
• Total loss protection is usually a better investment than purchasing gap insurance from a dealership, where the cost is often rolled into your loan and charged interest.
• Fault is not a factor in Total Loss Protection, or gap insurance payouts.

For more information, check out WalletHub's complete guide to gap insurance.

No, USAA does not offer temporary car insurance. The only way to get short-term car insurance from USAA, or any other reputable insurer, is to purchase a six or 12-month policy and cancel when you no longer need it. If you decide to terminate your USAA car insurance policy early, you will not be charged any cancellation fees. You may also be able to get a refund for any unused coverage time you've prepaid for.

One USAA alternative to temporary car insurance is a non-owner policy, which is available to drivers who do not own or have regular access to a vehicle. Non-owner car insurance is cheaper than a standard auto policy, since you are not covering a specific vehicle. If you rent or borrow vehicles often but don't own a car yourself, then USAA's non-owner car insurance is an affordable option. 

Yes, USAA will pay for windshield replacement or repair services for customers who have comprehensive coverage. USAA waives the comprehensive deductible for windshield repairs, though customers will still need to pay their deductible for full replacement unless their policy or state law says otherwise.

How USAA Windshield Replacement Works Depending on State

If you live in Florida, Kentucky, or South Carolina, you will not need to pay your deductible for windshield replacement or repairs. Additionally, insurance companies in Arizona, Connecticut, Massachusetts, Minnesota, and New York must offer a "full glass coverage" policy that allows customers to choose a $0 deductible for glass repairs.

On the other hand, if the windshield was damaged in an accident and the policyholder was at-fault, USAA customers can file a collision claim, though their exact policy details will determine if they need to pay a collision deductible. And if the policyholder was not at-fault, the at-fault driver's liability insurance should cover the damage without a deductible.

If you're not sure whether you will need to pay a deductible for windshield replacement, you can check your policy details or call USAA's customer service line at 1 (210) 498-2722. To file a claim for windshield repair or replacement, you can use USAA's online portal.

The General provides insurance to drivers who need SR-22 certification. Although high-risk insurance is often called “SR-22 insurance,” SR-22 is actually a form required by the state verifying that drivers with certain violations are carrying auto liability insurance. Some insurance companies will not insure these high-risk drivers.

The General sells SR-22 insurance, along with other types of policies, in all states except Hawaii, Massachusetts, Michigan and New Jersey. You can apply online or by calling (844) 328-0306. If you need an SR-22 form completed, a copy of the form will be included with your final policy documents. The General will file the form for you in most states, for the state fee of $15 - $25.

SR-22 insurance is likely to be pricey from any company. Insurers want to be paid for their added risk when they cover drivers with poor records. The premiums for a driver convicted of a DUI, for example, can rise 50% to 200%, depending on the insurer, state, driver's age, previous record, etc. The General is worth getting a quote from, because the company specializes in high-risk drivers and is highly rated for SR-22 policies. However, it's always a good idea to compare several quotes to get the best price possible for your needs.

SR-22 certification is usually mandatory for drivers who cause accidents while driving without insurance, are convicted of a DUI, have their license revoked or suspended, or get many tickets and/or traffic convictions in a short time period. You will need to keep your SR-22 current for 1-5 years, depending on the state. Your higher premiums will likely last at least three years. However, they can last seven or more, depending on the violation and your state's regulations.