I feel like USAA just screwed me over. My auto insurance is set to renew in a couple of months, and I got the renewal price tonight. They raised my rates by about 60%!
Here’s my situation: My license is clean—no tickets, accidents, or claims ever. My credit score is average, and I use the USAA SafePilot app with a score of 96/100, which shows I should get a 29% discount. I’ve been with USAA for almost six months now.
I can’t figure out why they raised my rates so much, but at least I still have time to shop around for another company. Has this happened to anyone else?
Try using a broker. There are so many factors that could be affecting your rates besides what you listed. You said you’ve been with them for six months? Are you newly licensed? How long have you had your license? Also, where you live, the year, make, and model of your car, along with your age and gender—all of these matter, and you didn’t mention them.
@Wes
I’ll definitely try using a broker. I don’t share too much personal info here because I follow my employer’s page and sometimes vent about them. But to give you an idea, I’m not a young driver. I’ve had my license since I was 16. I live in a busy city, and I drive a newer car worth less than $25k according to Kelley Blue Book.
I’m in the same boat, and I have a better credit score. My rates went up so much that USAA became the most expensive option for me.
With how bad customer service has gotten under Wayne Peacock, I don’t see any reason to stay. I left USAA recently and saved $2,100 a year by switching.