Tilted Forum Project Discussion Community - View Single Post

surferlove007 · 01-09-2008, 11:23 PM

Hey man, welcome to the club on the outragous deductable.
My folks were officers in the Air Force and thus we have USAA for our banking and auto insurance.

Here's my dads advice...if you get into an accident DON'T CALL THE INSURANCE COMPANY UNLESS THE CAR IS TOTALED...OR you WILL be paying for a new car you don't get to drive due to your new higher insurance rate. Sorry man but since we're younger than 25 and you're a male your rates will suck. Just plain and simple. Also the higher your deductible the lower your rates. Fortunately females tend to be cheaper.

I wouldn't have even gotten them involved honestly and tried to get it fixed at a local place. My car got hit 3 times while I was living in Lubbock, probably several thousand dollars worth of cosmetic damage and my parents told me to deal with it. I'm 19 mind you. I'm driving a paid off VW Beetle also. Don't know if you're doing payments on your car...that could affect your decision get them involved too. I don't know if you're paying your own rates...but they will take forever to come down since you reported this probably.

USAA is a great bank, I wouldn't switch, a lot of people would kill to have them. Not to mention it's a true privilege and honor to have them. I think auto insurance is a necessary evil. If you total your car then it's good but if it's something minor your rates shoot through the roof and take forever to come down. I advise leaving the insurance folks out if at all possible next time (hopefully there won't be a next time), they never really help at this time in our lives. Wait till you're 40, then you might have a decent rate where they can offer help worth having.

I agree with Crompsin about the customer service. They are the best. I've never had bad customer service with them. I over drafted by a few cents one time and they refunded it and told me not to worry, of course it was my firs time. Really these guys are top of the line, don't listen to the other guy telling you to switch. You won't find better rates with another company.

01-09-2008, 11:23 PM	#6 (permalink)
surferlove007 Junkie	Hey man, welcome to the club on the outragous deductable. My folks were officers in the Air Force and thus we have USAA for our banking and auto insurance. Here's my dads advice...if you get into an accident DON'T CALL THE INSURANCE COMPANY UNLESS THE CAR IS TOTALED...OR you WILL be paying for a new car you don't get to drive due to your new higher insurance rate. Sorry man but since we're younger than 25 and you're a male your rates will suck. Just plain and simple. Also the higher your deductible the lower your rates. Fortunately females tend to be cheaper. I wouldn't have even gotten them involved honestly and tried to get it fixed at a local place. My car got hit 3 times while I was living in Lubbock, probably several thousand dollars worth of cosmetic damage and my parents told me to deal with it. I'm 19 mind you. I'm driving a paid off VW Beetle also. Don't know if you're doing payments on your car...that could affect your decision get them involved too. I don't know if you're paying your own rates...but they will take forever to come down since you reported this probably. USAA is a great bank, I wouldn't switch, a lot of people would kill to have them. Not to mention it's a true privilege and honor to have them. I think auto insurance is a necessary evil. If you total your car then it's good but if it's something minor your rates shoot through the roof and take forever to come down. I advise leaving the insurance folks out if at all possible next time (hopefully there won't be a next time), they never really help at this time in our lives. Wait till you're 40, then you might have a decent rate where they can offer help worth having. I agree with Crompsin about the customer service. They are the best. I've never had bad customer service with them. I over drafted by a few cents one time and they refunded it and told me not to worry, of course it was my firs time. Really these guys are top of the line, don't listen to the other guy telling you to switch. You won't find better rates with another company. Last edited by surferlove007; 01-09-2008 at 11:27 PM..