I have heard HORROR stories about claims experiences with USAA. Low rates, you get what you pay for.
I have GEICO, and when my front bumper got scratched, they suggested sanding and painting. All I had to do was say I'd like to have it replaced and they said SURE, and then when I said I'd like to get a Crusher instead of OEM, they paid it, 100% less my deductible - all this with a smile and a check.
That was two years ago and my rates have not gone up.
I will never change insurance companies.
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