Are you trying to find the top military auto insurance company? This is what this review is all about. In this Armed Forces Insurance Vs USAA comparison, we will take a look at a plethora of factors to help you to make the best insurance decision.
Both insurance companies have been offering insurance for over 80 years and are good options. Make sure to compare quotes today.
Car insurance rates comparison
Both insurance companies have been known for dishing out cheap auto insurance quotes. Some people find that they receive cheaper rates with USAA and others find that they receive cheaper rates with AFI. One difference between the two insurance carriers is that USAA offers membership discounts that you can save on. The only way that you can see which company is better for your budget is by taking the time to compare rates.
Financial strength comparison
AFI has an A.M. Best financial rating of B++ with is good but it not the best. USAA on the other hand has a financial strength rating of A++ from A.M. Best which is the highest of 16 possible ratings.
Moody’s Investors Services gave USAA an Aaa rating. This is the highest of 21 possible ratings.
Standard & Poor’s gave USAA an AA+ financial strength rating. This is the second highest of 21 possible ratings.
Claim comparison
Although USAA did not receive the best score in the J.D. Power Auto Insurance Study, they did receive the second highest score with 5 out of 5 Power Circles. USAA received no less than 4 out of 5 Power Circles in all categories. Based on a 1000-point scale USAA received 901 points which was tied with Amica Mutual.
AFI was not compared in the J.D. Power Auto Insurance Study. However, you will notice that they have mixed reviews online. If you check Yelp, Reddit, or other places you will find happy and dissatisfied policyholders.
Customer complaint comparison
Both USAA and AFI received A+ grades from Better Business Bureau. BBB reveals that these companies know how to handle customer complaints well.
Eligibility comparison
AFI
To be Eligible for AFI you must qualify for one of the following.
You must be active duty, retired or honorably discharged military, including National Guard and Reserves. If You are a spouse or a surviving spouse of anyone who fits the description above, then you will qualify. Even if you are a former spouse of a previous or current member you will qualify.
Other ways that you can insure with AFI is if you are an active or retired department of defense civilian employee or if you are a current or former commissioned officer of the NOAA or PHS. Children of current or former AFI members will qualify as well. Once you are an Armed Forces Insurance member you are always a member.
USAA
The only way to become a USAA member is if you can connect with someone who is a member member in your family. If you or anyone in your family has no military affiliation, then you will not be able to use USAA. Officer candidates in commissioning programs are eligible (Academy, ROTC, OCS/OTS).
Car insurance discount comparison
Armed Forces Insurance discounts
Insure Multiple Cars/Drivers – You will be able to reduce your insurance quote when you add more cars onto your auto policy. The more that you add the more that you will be able to save.
Defensive Driving Course – This is a common auto insurance discount that you can expect. If you complete an accredited defensive driver course you will be able to save. Not only will you be able to save but you may be able to scrape points off your license when the course is complete.
Anti-Theft Devices – If your vehicle is equipped with anti-theft devices, then you can potentially reduce your insurance premium. Make sure to call your local agent about any car alarms and LoJacks to see if you can receive a more favorable quote.
Clean record – An accident will cause your auto insurance rates to go up. If you have no recent car accidents or moving violations, then you should be able to qualify for a good driving discount.
Identity Theft Advocacy Services – Members will receive free Advocacy Services. Their services will help you to make sure that you are effectively protecting your information. You will receive regular tips and advice about identity theft and fraud.
MyHomeWorks – AFI members get to enjoy MyHomeWorks, which gives you awesome tools to help increase home efficiency and save the policyholder money.
USAA discounts
Family plan – It’s is always an awesome thing when your car insurance provider offers you and your family, auto insurance packages at discounted rates auto insurance packages at discounted rates. You can immediately save 10% on your auto insurance policy when your parents insured with USAA.
New Vehicle – If you’ve recently purchased a new vehicle, then you can save with USAA. To qualify the vehicle must be under 3 years old.
Safe driver – Those who maintain a clean driving record for 5 or more years will receive reduced insurance rates.
Length of Membership – USAA members will save more when they continue to insure with USAA. Policyholders that have been insured with USAA for multiple years will be able to save more than those who have been insured with USAA for one year.
Membership discounts – USAA members can get auto insurance discounts from car rental places such as Avis, Hertz, Enterprise, and Budget. You will also receive travel deals and price matching on hotels, resorts, cruises, vacation packages, and more. You will also receive ADT Home security discounts, car buying discounts, shopping rewards, and more.
Bundling policies – Save 10% on your policy for bundling auto and home insurance.
Annual Mileage – There is no reason for your to be paying for a high auto insurance premium when you drive less than the national average. USAA helps those who drive less to save on car insurance.
Roadside assistance comparison
Both insurance providers offer emergency roadside assistance coverage. Roadside coverage offers towing, gas delivery, battery delivery, mechanical labor, oil delivery, and more.
Mobile app comparison
Armed Forces Insurance Mobile is very clean. You will easily be able to pay insurance claims, file your insurance claims, get help with billing, review your insurance policy, and more.
Not only is the USAA Mobile app better looking but it also offers more features than AFI. With USAA you are given an awesome in-app voice assistant, Siri account balances, quick view options, banking features, review accident checklist, request roadside assistance, report an insurance claim, and more.
Bottom line
If you need military insurance, then AFI and USAA are two popular insurance choices. USAA offers more features and is better in terms of claims and financial strength. However, you might be able to get cheaper rates with AFI. The wisest thing to do is take the time to compare quotes now to get the best prices.