On 2/22/2014 7:22 PM, micky wrote:
On Sat, 22 Feb 2014 15:54:33 -0600, Dean Hoffman

Consumer Reports has them in this order of satisfaction:
Amica Insurance 92
USAA Property and Casulty 92

This company's commercials annoy me too. They sound like buying
from them is a patriotic act, but don't say how. It's not like they
only sell to the military**, they sell to anyone, and looking on the
webpage it says that 25 army officers founded USAA when no one else
would. Now they say it is generations later, so I guess those 25
are retired or dead by now. How does it benefit the US to buy
insurance from them. I think it's just another profit making company
now, with some lip service about veterans.

I've been insured with USAA since 1977, including insurance for auto,
home, personal articles floater and liability. I've had several large
dollar claims, all paid in-full, after superb support and service. Not
only are their rates lower than most when charged, but you get a
substantial rebate at the end of the year that lowers your effective
premiums even more. Those rebates could only serve to lower their
overall "profits". They have several essentially interest-free pay-as-
you-go options that allow you to spread out your premium payments over
the entire course of the policy period. They also allow you to set up
an auto-pay system so those premiums due are taken from your account of
choice without you having to worry about their bill or your check being
lost in the mail. The last time I filed with them, I had totalled my
car. After my substantial claim was paid in full, they forgave the
accident and didn't even raise my rates.

I was active duty military at the time I joined. I believe that to use
USAA, you have to have had uniformed services time, or be a close family
member of someone who has had uniformed services time. I don't believe
that "anyone" will just be issued a policy if they want one. They do
not claim that it benefits the US to buy insurance from them. However,
to me, any company that provides excellent value to customers allows
more money to stay in those customer's pockets. That increases those
customer's capacity for discretionary spending and therefore helps our
economy. I believe that a thriving economy is good for any country.

It sounds to me as though you hadn't spoken to many if any long term
USAA members prior to writing your comments about USAA.

Disclaimer: I've never been involved with USAA except as a premium
paying owner of their insurance products and am making these comments
speaking exclusively for myself and not as a representative of or for USAA.