Home State vs USAA Car Insurance for 2023

When it comes to car insurance, there’s no shortage of options. But if you’re looking for a company that prioritizes customer satisfaction and offers a range of discounts to help you save money, Home State Car Insurance and USAA Car Insurance are two excellent choices. In this review, we’ll take a closer look at each company’s history and mission, the products and services they offer, the cost of those services, and the discounts available to customers. By the end of this article, you’ll have a better understanding of which company is the best fit for your needs.

Company History and Mission

Home State Insurance was founded in 1948 in New Hampshire and has since expanded to serve customers in 19 states across the country. The company’s mission is to provide high-quality insurance products and excellent customer service at an affordable price.

USAA, on the other hand, was founded in 1922 by a group of Army officers who wanted to insure each other’s cars. Today, USAA serves millions of members of the military and their families, offering a wide range of financial products and services, including car insurance. The company’s mission is to help its members achieve financial security and peace of mind.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use

Products and Services

Home State offers a range of car insurance products, including liability, collision, and comprehensive coverage. In addition, the company offers several optional add-ons, such as rental car reimbursement, roadside assistance, and glass coverage. Home State also offers discounts for safe driving, good grades, and bundling multiple policies.

USAA offers similar car insurance products, but with a few key differences. For example, USAA offers a unique type of coverage called “accident forgiveness,” which means that your rates won’t go up after your first at-fault accident. In addition, USAA offers discounts for safe driving, good grades, military service, and bundling multiple policies.

Cost

The cost of car insurance can vary widely depending on factors such as your driving record, age, location, and the type of car you drive. That said, Home State and USAA are generally competitive when it comes to pricing. According to a recent study by J.D. Power, Home State and USAA are both among the top 10 cheapest car insurance companies in the United States.

Discounts Available for Customers

Both Home State and USAA offer a range of discounts to help customers save money on their car insurance premiums. Here are a few of the most common discounts offered by each company:

Home State:

• Safe driver discount
• Good student discount
• Multi-car discount
• Homeowner discount
• Anti-theft discount

USAA:

• Safe driver discount
• Good student discount
• Military installation discount

Multi-vehicle discount

• Family discount
• Loyalty discount

In addition to these discounts, both Home State and USAA offer other ways to save money on your car insurance. For example, Home State offers a telematics program called Signal, which rewards safe driving with lower premiums. Similarly, USAA offers a program called SafePilot, which uses your smartphone to track your driving habits and rewards safe driving with lower premiums.

Customer Reviews

When choosing a car insurance company, it’s important to consider what other customers have to say about their experiences. Both Home State and USAA have high customer satisfaction ratings, according to J.D. Power’s 2021 U.S. Auto Insurance Study. Home State received an overall satisfaction rating of 831 out of 1,000, while USAA received a rating of 890 out of 1,000, making it the highest-rated car insurance company in the study.

Customers of both companies praise their excellent customer service and competitive pricing. However, some Home State customers have reported issues with claim processing, while some USAA customers have reported difficulty qualifying for certain discounts.

FAQs

Q: Does Home State offer coverage in all 50 states?

A: No, Home State currently offers coverage in 19 states.

Q: Is USAA only available to members of the military and their families?

A: Yes, USAA is only available to active and retired military personnel, as well as their immediate family members.

Q: Does Home State offer accident forgiveness?

A: It depends on the state in which you live. Some states offer accident forgiveness as an optional add-on.

Q: Does USAA offer roadside assistance?

A: Yes, USAA offers roadside assistance as an optional add-on.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

By clicking, you agree to our Terms of Use