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Geico was my first auto insurance provider and I had them for a few years in the early 2000s. Being a new driver, my rate was high, but not out of line with what other companies were requiring. The application process was straight-forward, with a representative being kind enough to discuss in detail what all of my decisions would mean for me. This was important for me as it was my first time dealing with auto insurance. No claims were processed in my time with Geico, so I can't evaluate that aspect of their service. Finally, they were very forthright in issuing me a refund check when I decided to move to a different insurance provider.
I was a Progressive customer for about 4 years until switching to USAA. I experienced my only accident while I was with Progressive and I was treated very well. I was given my choice of three different repair shops and was very happy with the shop that I chose for the repair. Payments were handled on their end and I was responsible for the deductible, as expected. There were no surprises at all, which is a good thing when it comes to an insurance claim. My only qualm with Progressive during my time with them was the premium price, but it is a bit unfair to compare them to USAA since it is exclusive to military and their families. Overall, if you do no have access to USAA, I would recommend Progressive to anyone.
I've had insurance with USAA for about 5 years now. If you're fortunate enough to have access to USAA either through service of your own or the service of a family member, they really can't be beat for car insurance. My rate is far, far lower than what I've had with Progressive and Geico. Also, customer service is always a friendly, English speaking representative. Policy renewals are all clearly laid out online for you to evaluate changes. And speaking of changes, those are done just as easily online. Cards are emailed to you at your request and arrive instantly. I really haven't had a single issue with USAA, but I must state that I haven't had an accident (fortunately) so I can't evaluate that side of my business with them.
I have used Bank of America checking for 4 years. My use of this account is as a go-between for my USAA checking account, since USAA doesn't have a physical presence in my town. So, for cash deposits I tend to use Bank of America and then funnel that money to USAA. Given my use of this account, I often have a zero-balance. Everything was fine for a few years, but then I got a statement in the mail with a balance of -$10. Turns out they had snuck a change in the terms of the account in a previous statement without my knowing. I accept responsibility for not reading all the fine print every month, but I still find it dishonest to be changing what was marketed as a "Free Checking Account" to one that requires a monthly "service charge" without making a blatant attempt to notify the consumer. This was done sneakily on purpose to make some money. Having said all that, I was able to go down to the local branch and get it straightened out, but not without pressing the issue more than I should have been required to. A less confrontational customer might not have gotten their money back. For this experience I have to downgrade my overall rating of Bank of America Checking to 2-stars. You just can't do this to loyal customers.
I am extremely happy with USAA as my primary bank. While I also use them for my auto and home insurance, their checking account is what really sets them apart. ATM fees are covered and there is a small percentage that you receive as interest every month, among other perks. Customer service is always great and always a native English speaker in my experience, which is helpful. Perhaps the biggest draw, however, is their [email protected] feature, which lets you scan checks at home on your office scanner of cell phone. It's really easy and convenient and saves me from making a trip to a local bank. It's by far the most valuable of all the services I get from USAA. The one negative, however, is that you must have some sort of loan account with them to qualify to scan checks. I set up my mortgage through them, but I also could have taken out a loan or credit card to qualify. It's an annoyance that one must do so much to qualify for such a great feature, but the payoff is worth it. Overall, I rank USAA as the best bank I've ever worked with.