Personal Finance

The All In One Auto Insurance Liberty Mutual Insurance Group Auto A couple years ago I got a letter from my bank offering a discount for usin...

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We had been with USAA for four years for all our insurance needs — home, life, auto, umbrella — and we appreciated the service and the competitive rates we received.

But the ultimate test of an auto insurer is how (and whether) they handle claims, and what they do with you after the claims.

In May 2008, my wife was involved in an at-fault accident. She was stopped facing downhill and her foot slipped off the brake. Her car went into the intersection and collided with a motorcyclist.

USAA’s representative was wonderful. She led us through the process and made it clear that she would handle all the hassles for us where the property damage and personal liability was concerned.

It didn’t take long for us to receive written notification that both the property damage and the personal injury claims were settled. At that point, we knew we had nothing to worry about in terms of lawsuits. I would estimate the payout was several thousand dollars, but I have no real knowledge.

My big concern was: what happens when it’s time to renew my policy? Will my rates be jacked up? Will I be non-renewed?

Today I got notification that our auto insurance renewal was posted. Well, worst case, at least they didn’t drop us! I logged into their web site and looked at the next renewal policy. Would you believe that our renewal policy rate– after the accident — was 10% LOWER than the one that just ended? I don’t know what formula they use, but somehow they CUT our rates by 10% for the same full coverage after an accident!

I don’t claim our experience is typical or customary — I don’t know — but I can tell you it happened for us. I’ve always had a tendency toward being loyal to USAA based on personal experience and reputation. But I can tell you now that after the rubber hit the road — after unfortunately needing to use insurance for the reason we carry it — I intend to stay loyal for a long time, as long as this customer-friendly attitude stays in place.

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