1. Eligibility: USAA membership is restricted to current military members, veterans, and their eligible family members. If you don't meet these requirements, you can't get USAA insurance. Confirm your eligibility first on their website.
2. Get a Quote: Once you've confirmed eligibility, get an auto insurance quote online through the USAA website or mobile app. You'll need information about your vehicle, driving history, and coverage preferences.
3. Compare Rates: Compare USAA's quote to your current insurer's rate to see if switching is financially beneficial. Consider not only the premium but also the coverage offered.
4. Choose Your Coverage: Select the coverage levels that best meet your needs. USAA offers a variety of options, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
5. Provide Necessary Information: USAA will require various documents and information to finalize your policy, such as your driver's license, vehicle information (VIN, year, make, model), and details about your driving history.
6. Cancel Your Current Policy: Once you've decided to switch, contact your current insurance company to cancel your policy. Ensure you understand their cancellation process and any potential penalties or fees. Don't cancel until your USAA policy is active.
7. Purchase Your USAA Policy: After providing all the necessary information and reviewing your policy details, you can finalize your purchase with USAA. They'll provide you with your policy documents.
8. Notify Relevant Parties: Inform any relevant parties about your policy change, such as your lender (if you have a car loan) and any other insurance providers you might have (like renters or homeowners insurance).
Important Considerations:
* Timing: Coordinate the cancellation of your old policy with the activation of your new USAA policy to avoid any gaps in coverage.
* Proof of Insurance: Keep your USAA insurance card readily available and ensure you meet your state's requirements for proof of insurance.
Switching to USAA, like switching any insurance provider, requires careful planning and comparison. Don't hesitate to contact USAA directly with any questions throughout the process.
