2Tightwads

Rate filings with the Texas Department of Insurance by USAA.

Link # 102691
TDI # 9212506924
Company Name United Services Automobile Association
Received Date 05-19-09
Effective Date 07-10-09
% Change 15%
Regulatory Action Awaiting Approval

Link # 102691
TDI # 9212506925
Company Name USAA Texas Lloyd's Company
Received Date 05-19-09
Effective Date 07-10-09
% Change 15%
Regulatory Action Awaiting Approval

START SHOPPING FOLKS!

99zee

iTrader: (4)

Damn, guess I won't be getting that refund this year.

AGRV8D

iTrader: (19)

usaa is my ins co... rather my rates go up than be with the likes of fred loya and get into an accident and them drag their feet on getting me money

TWS

iTrader: (63)

USAA is one of the very best, if not THE best in fairly and quickly handling claims. Check out insurance industry rankings.

Don't be one of the foolish guys who shops just based on who has the lowest premiums and then gets the shaft on his very first claim. Wrong time to discover that the insurance you were paying for over years wasn't really worth a damn.

If you go with some of the cheaper premium insurers, you will get what you pay for.

99zee

iTrader: (4)

Agreed, NEVER had a problem with USAA

fastvet

iTrader: (2)

Havent had a problem with them, but I dont want to pay more money on insurance either! Damn! This economy sucks right now!!!

BADZ

iTrader: (5)

I went with Gieco after having Nationwide for 20+ yrs. These guy's are backed by Warren Buffett!!!

Saved 50%

Cam72aro

iTrader: (28)

State Farm is increasing 20%. Looking at it that way, 15% isnt too bad.

bballr4567

iTrader: (5)

I changed from USAA earlier this year as well. Mine went up 23%!!! It was already a tad high compared to other companies but that was over the top considering I had ZERO claims and always paid on time. Called to ask and their reason was that they lost a lot of money on all the hurricanes last year so they had to raise the rates.

Went to Nationwide and saved about $600 a year.

I still have everything else with USAA just cant afford to keep them as my insurance for my cars.

01z

iTrader: (3)

i have USAA, and lets just say they havnt dropped me so im happy

Texas Heat

iTrader: (9)

Im about to drop USAA, it seems like my insurance goes up every damn month.

Blue's_Z28

iTrader: (2)

LMAO @ a money thread started by "2Tightwads"!

gun4hire

iTrader: (17)

I did a search on those TDI#s and that looks like HO ins, not auto.

http://www.tdi.state.tx.us/home/docu...ratechange.pdf

EW1

iTrader: (10)

I was with USAA for 9 years and switched to GEICO because of their rates. I have the same coverage with GEICO for $300 cheaper.

Randy_S

iTrader: (1)

Can someone tell me how it would be possible to switch in the middle of a pay period? I would like to shop our ins. around but have already paid for the year. How does that work, am I going to eat the money already invested?

TWS

iTrader: (63)

Randy, if you drop insurance, they refund the premium $ that would extend past the date you drop the policy.

Again, I am not saying that guys dropping USAA are wrong... but I will say be careful and don't shop on price alone.

Randy_S

iTrader: (1)

Thanks I will look more into it.

I don't have USAA, I have State Farm and am not unhappy with the insurance, more the representative. His rates are higher than other offices in our area. I didn't choose him, I chose his predecessor.

Haans249

iTrader: (24)

No, they are required to give you back your pro-rated amount unless otherwise stated in the contract.

Guys, they have dropped their rates for basically the past 5 or so years. And what was stated before, its only on HO rates, not autos. PLUS, it has to be cleared through their supervisory agency, and given the economy, it may not happen.

bballr4567

iTrader: (5)

I understand your worry but this is exactly what USAA said when I told them I was dropping them and going to Nationwide.

"Can I ask why you are dropping USAA?"

"Well, I got a MUCH MUCH better price going through a different company"

"Oh, well USAA was the only insurance company to retain its AAA rating."

"Really?? Thats nice because Lehman Bros, Countrywide, Merrill Lynch were AAA also until they literally brought down the whole economy when they crashed. So those ratings mean jack dont they?"

"........"

"Im sorry sir but good luck and good bye"




The bottom line is that USAA is a company. Over the past 3 years they have raised their rates with me almost 50% and literally nothing has changed with me except I turned 25 and got married. They can only keep so many customers when they raise the rates so much in such a little period.

03Sssnake

iTrader: (20)

That sucks...I have been with USAA for almost 10 years and have never had an issue. I was expecting my rates to go up this year since we just moved back to Houston, add 15% to whatever hike I get and that is sure to sting.