Join Date: Sep 2007
Location: Anaheim, CA, USA
Re: insurance recomendation
I have been a USAA member for around forty years. Membership in USAA is restricted. In general, you must be in the armed services or in the family of someone who qualifies.
Their motorcycle coverage is good, but probably not the lowest price you will find. USAA motorcycle coverage varies, depending on which state you live in. Sometimes it is provided by USAA, sometimes it is provided by Progressive, and sometimes it is not available. If you move from one state to another, then your USAA motorcycle coverage may change or may not be available. USAA also offers automobile, homeowners, and other financial services - I don't think that they vary between states, just the motorcycle coverage. I do not know why.
USAA service, support, and claims processing used to be unrivaled. Times are changing. They seem more focused on growth at the expense of some of their core values. I see recent changes that I do not like, including a lot of advertising and opening up membership to a broader group of people, which probably affects the overall loss ratio, etc. To me, it smells like the personal ambitions of the CEO and top executives for power and money are overriding the best interests of the company as a whole and its membership. I have seen it before in so many other similar co-op type companies, such as my old credit union, which grew into a monster in all the bad definitions of the word.