friar1610
Thinks s/he gets paid by the post
- Joined
- Jun 27, 2002
- Messages
- 1,641
I noticed on the previous thread that several people said that USAA was a better deal for insurance than AARP's plans. I've been a USAA member for all of my adult life - have homeowners, auto, life, etc. with them.
About six months ago I got a mailing from Navy Federal Credit Union (to which I've also belonged for my whole adult life) pitching GEICO auto insurance as part of a partnership. I called GEICO and got a quote for exactly the same coverage I had with USAA. It was actually quite a bit cheaper - don't remember exactly but somewhere around $100/6mos. I called USAA and asked them if they could lower my rates. They couldn't but suggested a few ways to reduce my premium by raising deductibles. But I figured that if I went back to GEICO with those new (lower) deductibles they still would be cheaper than USAA.
In the end, I stuck with USAA for several reasons:
- Somehow it feels "disloyal" not to stick with them.
- They gave me excellent claims service on several auto accidents, none of them my fault. (They were a little chintzy on a homeowners claim for hail damage compared to what other people in the neighborhood were getting.)
- The Subscriber's Savings Account annually sends me a nice check which reduces the effective cost of the insurance. (Although not all of that refund is attributable to auto insurance.)
Has anyone else gone through the same decision making process and, if so, what did you do? Does anyone have pro's or con's about GEICO?
About six months ago I got a mailing from Navy Federal Credit Union (to which I've also belonged for my whole adult life) pitching GEICO auto insurance as part of a partnership. I called GEICO and got a quote for exactly the same coverage I had with USAA. It was actually quite a bit cheaper - don't remember exactly but somewhere around $100/6mos. I called USAA and asked them if they could lower my rates. They couldn't but suggested a few ways to reduce my premium by raising deductibles. But I figured that if I went back to GEICO with those new (lower) deductibles they still would be cheaper than USAA.
In the end, I stuck with USAA for several reasons:
- Somehow it feels "disloyal" not to stick with them.
- They gave me excellent claims service on several auto accidents, none of them my fault. (They were a little chintzy on a homeowners claim for hail damage compared to what other people in the neighborhood were getting.)
- The Subscriber's Savings Account annually sends me a nice check which reduces the effective cost of the insurance. (Although not all of that refund is attributable to auto insurance.)
Has anyone else gone through the same decision making process and, if so, what did you do? Does anyone have pro's or con's about GEICO?