USAA Insurance vs. Mercury 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 Mercury phone number is 1 (800) 503-3724 for claims and customer service, and customer service representatives are available 24/7. You can also contact Mercury by emailing customer service or visiting a local agent. 

How to Contact Mercury

• Call 1 (800) 503-3724 to speak with a customer service representative
• Go to Mercury's website and use the chat function
• Mail your request to Mercury at 555 W Imperial Hwy / Brea, CA 92821-4802
• Visit a Mercury agent in person if there is one nearby

Exactly what you're looking to do will determine the best way to contact Mercury. For instance, to file a claim, you can file over the phone. However, to cancel your policy with Mercury, you will most likely need to call 1 (800) 503-3724.

Mercury Phone Numbers

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

Yes, USAA offers discounts of up to 25% on rental cars from participating Enterprise, Hertz, Budget, and Avis locations, and you can save even more by prepaying for your rental through USAA. The discount applies to time and mileage charges for the rental only, rather than any insurance or additional products you purchase. Some vehicles are also excluded from the discount.

To get the USAA car rental discount, you will need to use your USAA discount number, available on the USAA member website, to make the rental car reservation.

USAA Rental Car Discounts

Extra Rental Car Benefits for USAA Members

• Prepay discount. USAA members can save up to 35% by prepaying for their rental car through USAA.

• Fee waivers. Participating rental car companies waive both young driver fees and additional driver fees for USAA members, up to $44.          

• Damage liability coverage. USAA members who  carry collision and comprehensive insurance are only responsible for the first $5,000 of damage to a rental vehicle from any rental company. However, members can purchase a Loss Damage Waiver, which means they are not responsible for the claim amount or the $5,000 deductible.

To learn more, check out WalletHub\'s complete review of USAA insurance.    

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 enoughif 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 offers 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 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-month 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.

No, USAA does not offer extended car warranties anymore. USAA canceled its extended car warranty program in 2018, and it has not replaced extended warranty coverage with anything similar, such as mechanical breakdown insurance, either.

Alternatives to a USAA Extended Warranty

• AAA Extended Warrany
• Allstate Extended Warranty
• Geico Mechanical Breakdown Insurance
• 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.