1. Introduction to USAA Auto Insurance Discounts
USAA offers many benefits to those who purchase auto insurance through them. These discounts are designed to meet the needs of military personnel, soldiers, and their families. These offers can save you a lot of money. Examples include safe driving, pooling multiple policies, and discounts for specific situations such as deployments. These offers are part of a USAA program designed to lower insurance costs while recognizing the special needs and achievements of the military community.
2. What You Need to Do to Get a USAA Auto Insurance Discount
In order to receive USAA auto insurance benefits, applicants must be eligible to become a USAA member. Typically, only active duty military members, veterans, and certain family members can do so. Different rules may apply to each discount, such as a certain mileage or a good driving record. Some discounts may also require proof, such as military service or attendance at an approved safe driving school.
3. Safe Driving Discounts
USAA’s Safe Driving Discount rewards members who have an accident-free driving record. This offer is designed to encourage safe driving behaviors, such as driving under the speed limit and avoiding accidents. People who take advantage of this offer are typically eligible if they have a clean record for at least five years, but the details can vary depending on where you live.
4. Defensive Driving Discounts
Drivers who complete a state-sanctioned defensive driving course may be eligible for discounts. That’s because USAA wants its members to be proactive about driving safety. Both in-person and online courses are usually available, and the savings after the course can last for years.
5. Offer Student Discounts
USAA offers a special student discount to high school seniors or college students who attend school full-time and maintain good grades. In most cases, students must maintain a grade point average (GPA) of 3.0 or higher to apply. This offer is especially helpful for families with teenage drivers, as it gives kids a reason to continue working hard in school.
Family Discount (also called Legacy Discount)
Children of USAA members receive a family discount, also called a legacy rate. The goal of this offer is to maintain coverage within the family by giving members an incentive for their adult children to join USAA. Significant savings are available in the form of discounts for Prime members and their eligible dependents.
7. Multi-Car Discounts
Members who insure multiple vehicles with USAA receive a discount on multi-car insurance. By adding more cars to the same policy, members can get lower rates on all of their cars. Families with multiple drivers or people with multiple cars can take advantage of this offer. The more eligible vehicles, the more members can save.
8. Multi-Policy Discounts (Bundling)
When you bundle your auto insurance with other USAA products, such as home or renters insurance, you can get discounts for signing multiple contracts. Members can ease their insurance needs by purchasing all of their coverage from USAA, and as a result, rates are generally lower for each product.
9. New Car Discounts
USAA offers people a discount on their insurance when they buy a new car. Since most eligible vehicles are less than three years old, this offer encourages members to purchase better, more fuel-efficient, and more reliable vehicles.
10. Military Facility Discounts
Members who park their insured cars on military bases get discounted rates on military bases. Military bases are generally safe places, so cars parked there are less likely to be stolen or damaged. Active-duty military personnel and some people who live on military bases can take advantage of this offer.
11. Low Mileage Discounts
USAA’s low mileage rates apply to those who drive less than a certain number of miles per year. This offer is available to drivers with low annual mileage. Low mileage reduces the risk of collisions and wear and tear on your vehicle. To qualify, policyholders may be required to display odometer numbers or track mileage using a USAA-approved method.
12. Vehicle Storage Discount (User Rebate)
USAA offers a discount, sometimes called a “User Rebate,” to service members who store their vehicles.