Compare USAA vs. Titan Insurance

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Two fierce competitors in the insurance world are USAA and Titan. USAA was founded in 1922 and 3-years later, in 1925 Titan was founded. Both companies have their pros and cons. For example, Titan provides flexible payment plans and a lot of discounts but only allows customers to file claims over the phone.

Whereas, USAA has high customer satisfaction scores due to their customer service, but only provides insurance to military personnel and their family. Still, both of these companies have superior financial strength ratings and excellent J.D. Power rankings.

So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  USAA Titan
Best If USAA
  • You (or a parent) are a member of the military, and customer service is very important to you
Titan
  • You want a lot of discounts and flexible payment plans
Worst If USAA
  • You are not in the military, and do not have a parent who served in the military
Titan
  • You want to file a claim online (you can only file claims by phone with Titan)

Special Car Insurance Discounts

USAA Titan
USAA Titan

Association Membership is a discount that is granted to customers who are active members of any club specifically recognized by Titan.

The Advance Quote Discount is given to those who get insurance quotes eight or more days before their current policy expires.

The Farm Use Discount helps save money when you add agricultural vehicles in your possession to your auto insurance policy.

Travelink Discount applies only to collision coverage and a vehicle that is individually owned by an employee whose employer is participating in an approved traffic mitigation program. Annual recertification is required.

EFT Discount saves you money when you opt to pay your monthly insurance premium electronically. Less paper wasted, more money saved!

Standard Car Insurance Discounts

Bundling Coverage Discounts USAA Titan
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features USAA Titan
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History USAA Titan
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships USAA Titan
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances USAA Titan
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts USAA Titan
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

USAA Car Insurance Titan Insurance
2016 245 1
2015 415 4
2014 380 4
2013 270 1

U.S. Auto Insurance Shopping Study (2016)

USAA Car Insurance Titan Insurance
Overall Purchase Experience Among the best Average
Policy Offerings Among the best Average
Pricing Among the best Average
Local Agent -- Average
Call Center Representative Among the best Average
Insurer Website Among the best Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

USAA Car Insurance Titan Insurance
Overall Satisfaction Among the best Above average
First Notice of Loss Among the best Above average
Service Interaction Average Above average
Appraisal Among the best Above average
Repair Process Above average Above average
Rental Car Experience Among the best Average
Settlement Among the best Average

Financial Strength Ratings

USAA Car Insurance Titan Insurance
A.M. Best A++ A+
Moody's Aaa --
S&P's AA+ --

Mobile Apps

USAA Titan
USAA

The USAA Mobile App lets you manage your insurance policies quickly and conveniently from your mobile device. The app has a touch fingerprint ID feature or voice recognition for a more secure login process. Use the USAA Mobile App to pay insurance premiums, transfer funds, and more. Download the app here

Titan

Titan Mobile allows you to find a local insurance agent, view your policy, pay premiums, and even get instant help with a claim. To download the app for iPhone or Android, click here

Roadside Assistance

USAA Titan
USAA

USAA Roadside Assistance

USAA Roadside Assistance is offered thru USAA Towing and Labor as an additional coverage option on your policy. Only vehicles covered by USAA insurance are eligible for roadside assistance. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help.

Roadside Services Covered

  • Towing
  • Gas delivery
  • Tire replacement

Contact Phone Number

USAA’s Roadside Assistance is available by calling 1 (866) 375—5374. This program can assist you in a number of undesirable situations and emergencies.

Titan

Titan Emergency Roadside Assistance

Adding roadside coverage to your auto policy can greatly benefit you out on the road. Titan works with a network of nationwide roadside service providers to give you 24/7 coverage in the event of a breakdown. Roadside Assistance is purchased as an addition to your existing insurance policy with Titan.

Roadside assistance services include:

  • Towing
  • Tire change
  • Battery jump start
  • Gas delivery
  • Lock-out service
  • Vehicle extrication -(winching)