Comparing quotes is the best way to get the lowest rates from top insurers like AIG and USAA. QuoteWizard is an independent company that helps you find the right policy at the best rate.
AIG and USAA are both well-known companies in the insurance industry. AIG offers a wide selection of insurance products and a fast pay-out system. But AIG is known for having low customer service ratings.
USAA has one of the highest customer service scores and a wide variety of driver discounts. Across the board, USAA’s ratings are top-notch: from the Better Business Bureau, to financial rating services like A.M. Best. USAA received top ratings for its excellent service and smooth claims process. It’s one drawback is that it is only offered to military personnel and their families.
So which one offers the discounts, services, and customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
AIG
|
USAA
|
| Worst If |
AIG
|
USAA
|
|
AIG
AIG provides roadside services such as gas, oil, tire, or battery replacement. It also covers labor expenses and delivery costs up to a certain amount. |
USAA |
| Bundling Coverage Discounts | AIG | USAA |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | AIG | USAA |
| 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 | AIG | USAA |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | AIG | USAA |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | AIG | USAA |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | AIG | USAA |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| AIG Auto Insurance | USAA Car Insurance | |
|---|---|---|
| 2016 | 11 | 245 |
| 2015 | 29 | 415 |
| 2014 | 22 | 380 |
| 2013 | 17 | 270 |
| AIG Auto Insurance | USAA Car Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | |
| Policy Offerings | Among the best | |
| Pricing | Among the best | |
| Local Agent | -- | |
| Call Center Representative | Among the best | |
| Insurer Website | Among the best |
| AIG Auto Insurance | USAA Car Insurance | |
|---|---|---|
| Overall Satisfaction | Among the best | |
| First Notice of Loss | Among the best | |
| Service Interaction | Average | |
| Appraisal | Among the best | |
| Repair Process | Above average | |
| Rental Car Experience | Among the best | |
| Settlement | Among the best |
| AIG Auto Insurance | USAA Car Insurance | |
|---|---|---|
| A.M. Best | A- | A++ |
| Moody's | A1 | Aaa |
| S&P's | A+ | AA+ |
| AIG |
USAA
The USAA Mobile App lets you manage your insurance policies quickly and easily 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 USAA mobile app here. |
| AIG |
USAA
USAA Roadside AssistanceUSAA Roadside Assistance is offered thru USAA Towing and Labor as a policy add-on. Only vehicles covered by USAA insurance are eligible. USAA contracts their roadside service with Cross Country Motor Club to help you in need of help. Roadside Services Covered
Contact Phone Number1 (866) 375—5374. |