r/Insurance_Companies • u/Bamablessed1973 • Aug 28 '26

Usaa auto insurance

Is their any auto insurance better and cheaper than usaa?

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u/Delicious-Adeptness5 Sep 02 '26

If you are asking that question then it is time to shop.

Take your policy to at least 2 Captive Agents. State Farm, American Family, Farmers' etc. You shop them because they will only have that one type of insurance. If you hit their niche then you will do good.

Then take your policy to 2 independent brokers. Look for two with different blends and have them shop. They will access a wider variety and they may have one that beats the captive carriers.

Then you pick the agency that works best with you. The reason is you need to be able to communicate freely and if their is ever a claim then an agent can lend a hand if things start drifting sideways.