Comparing quotes is the best way to get the lowest rates from top insurers like USAA and The Hartford. QuoteWizard is an independent company that helps you find the right policy at the best rate.
The Hartford and USAA are both top-rated companies in the insurance world. The Hartford was founded in 1810, and USAA was founded in 1922. USAA has one of the highest customer satisfaction ratings in the insurance industry, with top financial strength ratings and 5 out of 5 stars from J.D. Power. On the flip side, The Hartford offers excellent claims support and has a wide range of discounts for AARP members, and also has excellent financial strength ratings and 4 out of 5 stars from J.D Power. However, The Hartford lacks 24-hour support, and USAA only offers its services to military personnel and their immediate families. 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 |
USAA
|
The Hartford
|
| Worst If |
USAA
|
The Hartford
|
| USAA |
The Hartford
The Hartford offers multiple discounts to save you money on your auto insurance premium. These discounts include:
|
| Bundling Coverage Discounts | USAA | The Hartford |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | USAA | The Hartford |
| 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 Hartford |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | USAA | The Hartford |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | USAA | The Hartford |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | USAA | The Hartford |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| USAA Car Insurance | The Hartford Auto Insurance | |
|---|---|---|
| 2016 | 245 | 30 |
| 2015 | 415 | 72 |
| 2014 | 380 | 69 |
| 2013 | 270 | 67 |
| USAA Car Insurance | The Hartford Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Among the best | Among the best |
| Policy Offerings | Among the best | Among the best |
| Pricing | Among the best | Among the best |
| Local Agent | -- | Average |
| Call Center Representative | Among the best | Average |
| Insurer Website | Among the best | Among the best |
| USAA Car Insurance | The Hartford Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Among the best | Above average |
| First Notice of Loss | Among the best | Above average |
| Service Interaction | Average | Below average |
| Appraisal | Among the best | Average |
| Repair Process | Above average | Among the best |
| Rental Car Experience | Among the best | Average |
| Settlement | Among the best | Above average |
| USAA Car Insurance | The Hartford Auto Insurance | |
|---|---|---|
| A.M. Best | A++ | A |
| Moody's | Aaa | A2 |
| S&P's | AA+ | A |
|
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 Hartford
The Hartford Smartphone App for Auto and Home lets you manage your insurance policies directly and conveniently from your mobile device. You can store and view your ID cards, pay your premiums, and track any claims you’ve made. Even without having to log in, you’ll have access to roadside assistance as well as an emergency checklist. Also available is a repair service finder, replacement vehicle locator, insurance agent locator, and much more. Download the Hartford Smartphone app for iPhone or Android. |
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 Hartford
The Hartford Towing and LaborTowing and Labor coverage is available on your existing auto insurance policy. It covers the tow and labor costs, but does not cover additional parts needed for repairs to the car. The Hartford offers Towing and Labor coverage, which includes all the services that a standard roadside assistance package would have. Services Covered
Contact Phone NumberFor immediate roadside assistance/claims service, call 1 (800) 322-7789. |