The General and USAA are both big names in the insurance industry. The General was founded in 1963, and USAA was founded in 1922. USAA has outstanding ratings all across the board: it has superior financial strength ratings, 5 out of 5 stars from J.D. Power, and one of the highest customer satisfaction ratings for auto insurance companies. Its only downside is that it only offers insurance to military personnel and their immediate families. On the flip side, The General provides low premiums for high-risk drivers and has a great online-quote tool, but suffers from low customer satisfaction ratings and inconsistent services. 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.
Comparing quotes is the best way to get your lowest rates from top insurers like USAA and The General. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| Bundling Coverage Discounts | USAA | The General |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | USAA | The General |
| 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 | The General |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | USAA | The General |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | USAA | The General |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | USAA | The General |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| USAA Car Insurance | The General Auto Insurance | |
|---|---|---|
| 2016 | 245 | 13 |
| 2015 | 415 | 14 |
| 2014 | 380 | 3 |
| 2013 | 270 | 4 |
| USAA Car Insurance | The General Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | Above average |
| Policy Offerings | Among the best | Above average |
| Pricing | Among the best | Above average |
| Local Agent | -- | Above average |
| Call Center Representative | Among the best | -- |
| Insurer Website | Among the best | -- |
| USAA Car Insurance | The General Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Among the best | Average |
| First Notice of Loss | Among the best | Average |
| Service Interaction | Average | Above average |
| Appraisal | Among the best | Average |
| Repair Process | Above average | Average |
| Rental Car Experience | Among the best | Above average |
| Settlement | Among the best | Average |
| USAA Car Insurance | The General Auto Insurance | |
|---|---|---|
| A.M. Best | A++ | A- |
| Moody's | Aaa | -- |
| S&P's | AA+ | -- |
|
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. |
The General
The General Mobile AppThis app grants users easy access to their policy info on their mobile devices. It also lets them pay their insurance premiums, view their insurance ID cards, and even get a quote. |
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. |
The General
The General 24/7 Roadside AssistanceThe General's roadside assistance plan is provided thru a partnership with Nation Safe Driver (NSD). Roadside assistance isn't purchased with you General auto insurance policy, it's a membership with Nation Safe Driver. Plans cost $10/month. Services Covered
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