Century vs USAA Car Insurance for 2023
Discover the nuanced competition between Century and USAA, where consumers weigh distinct strengths and specialized offerings to meet their diverse driving needs.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jan 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Navigating the complex terrain of car insurance rates demands a keen understanding of how various factors impact your premiums. In this comprehensive analysis, we delve into crucial metrics such as credit score, mileage, coverage level, and driving record to unveil the insurance landscape’s nuances. Whether you’re a safe driver with an excellent credit score or a high-mileage commuter, the data table below succinctly reveals which company emerges as the top choice for rates tailored to different customer profiles. Brace yourself for a data-driven journey, as we uncover the ideal insurance partner based on your unique circumstances.
| Factors | Century | USAA |
|---|---|---|
| Clean Record | $80 | $59 |
| 1+ Ticket | $100 | $67 |
| 1+ Accident | $120 | $78 |
| DUI | $140 | $108 |
| Poor Credit | $138 | $101 |
*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver
| Discounts | Century | USAA |
|---|---|---|
| Anti Theft | 5% | 12% |
| Good Student | 10% | 10% |
| Low Mileage | 10% | 5% |
| Paperless | 8% | 3% |
| Safe Driver | 15% | 15% |
| Senior Driver | 10% | 3% |
Century Car Insurance
Pros:
- Affordable Rates: Century Insurance aims to provide affordable car insurance without compromising on service quality.
- Personal Injury Protection: Offers personal injury protection coverage for added security in case of an accident.
- Discounts: Provides various discounts, including multi-car and safe driver discounts, allowing customers to save on premiums.
- Smooth Claims Process: Known for a smooth and hassle-free claims process, contributing to a stress-free experience for policyholders.
Cons:
- Limited Availability: Services are available in select states, limiting access for potential customers outside the covered regions.
USAA Car Insurance
Pros:
- Military Focus: Specialized coverage options for military personnel and their families, demonstrating a commitment to serving the unique needs of this demographic.
- Nationwide Coverage: Available in all 50 states and Washington, D.C., providing extensive accessibility.
- Comprehensive Services: Offers a range of coverage options, including rental car reimbursement and roadside assistance.
- Competitive Rates: Strives to provide competitive rates, along with exceptional customer service.
Cons:
- Membership Requirement: Limited to active and retired military personnel, as well as their families, potentially excluding a significant portion of the general population.
- Potentially Higher Rates: Rates may not be as universally competitive for individuals who do not meet specific eligibility criteria.
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Best Car Insurance Company: Century vs. USAA
While Century Insurance offers affordable rates and a smooth claims process, USAA stands out as the better option for several reasons:
Military Focus and Nationwide Coverage: USAA’s commitment to serving military personnel and their families sets it apart. With coverage available in all 50 states and Washington, D.C., USAA provides comprehensive services to a broader demographic.
Specialized Coverage Options: The specialized coverage options tailored for military members demonstrate USAA’s understanding of the unique needs of this demographic. This focus on serving a specific community enhances the overall value proposition.
Competitive Rates and Additional Services: USAA not only offers competitive rates but also provides additional services such as rental car reimbursement and roadside assistance. This comprehensive approach ensures that policyholders receive not only affordability but also a range of benefits.
Positive Customer Experiences: While both companies receive positive reviews, USAA’s specialized focus and commitment to excellent customer service, as evidenced by the case studies, contribute to a more favorable overall impression.
Company History and Mission
Century Insurance was founded in 1956 and has been providing car insurance services to customers for over 65 years. The company’s mission is to provide affordable car insurance without sacrificing quality service. Century Insurance is based in Michigan, and its services are available in Arizona, Georgia, Illinois, Indiana, Michigan, Missouri, Ohio, Pennsylvania, Tennessee, and Texas.
USAA, on the other hand, was founded in 1922 and initially provided insurance services to military officers. Today, USAA provides insurance services to active and retired military personnel, as well as their families. USAA’s mission is to serve its members by providing competitive rates, exceptional customer service, and specialized coverage options.
Products and Services Offered, Cost, and States of Service
Both Century and USAA offer a range of car insurance services, including liability, collision, and comprehensive coverage. Century Insurance also provides personal injury protection, while USAA offers rental car reimbursement and roadside assistance.
The cost of insurance services can vary depending on several factors, including age, location, driving record, and type of coverage. To get an accurate quote, customers can visit the companies’ websites or contact their agents.
Century Insurance’s services are available in Arizona, Georgia, Illinois, Indiana, Michigan, Missouri, Ohio, Pennsylvania, Tennessee, and Texas. USAA provides insurance services in all 50 states, as well as Washington, D.C.
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Discounts Available to Customers and Qualification Requirements
Century Insurance offers several discounts to customers, including:
- Safe driver discount: for drivers with no accidents or violations in the past three years.
- Multi-car discount: for customers who insure two or more cars with Century Insurance.
- Multi-policy discount: for customers who bundle their car insurance with other policies, such as homeowners or renters insurance.
To qualify for these discounts, customers need to meet certain requirements, such as maintaining a clean driving record or insuring multiple cars.
USAA offers a range of discounts to its members, including:
- Safe driver discount: for drivers with no accidents or violations in the past five years.
- Good student discount: for students with a GPA of 3.0 or higher.
- Military installation discount: for members who store their cars on a military base.
- Family discount: for members who have a parent or child who is also a USAA member.
To qualify for these discounts, customers need to meet specific requirements, such as maintaining a good driving record or being a member of the military.
Claims Process: Century vs. USAA Car Insurance
Ease of Filing a Claim
Both Century and USAA offer convenient options for filing insurance claims. Customers can file claims online through the company’s website, over the phone, or through mobile apps. This flexibility makes it easy for policyholders to report accidents and incidents in the way that suits them best.
Average Claim Processing Time
The speed at which an insurance company processes claims can greatly impact customer satisfaction. While specific processing times may vary depending on the nature of the claim and individual circumstances, both Century and USAA are known for their efficient claims processing. Policyholders can expect timely responses and resolutions to their claims.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable when evaluating an insurance provider. Reviews from current and past customers can provide insights into how well Century and USAA handle claim resolutions and payouts. Understanding the experiences of others can help potential policyholders make informed decisions about which company aligns with their expectations and needs.
Digital and Technological Features: Century vs. USAA Car Insurance
Mobile App Features and Functionality
In today’s digital age, mobile apps have become essential tools for managing insurance policies. Century and USAA both offer mobile apps that provide a range of features and functionalities. These apps allow customers to access their policy information, pay premiums, request roadside assistance, and even file claims conveniently from their mobile devices.
Evaluating the user-friendliness and capabilities of these apps is crucial for those who prefer managing their insurance digitally.
Online Account Management Capabilities
Besides mobile apps, online account management is a key component of a modern insurance experience. Both Century and USAA offer online account portals that enable customers to view and update their policies, track claims, and access important documents.
Examining the ease of use and comprehensiveness of these online account management systems can help individuals choose the insurer that aligns with their preferences.
Digital Tools and Resources
Insurance companies often provide digital tools and resources to assist policyholders in making informed decisions. These resources may include calculators to estimate coverage needs, educational articles on various insurance topics, and tools for comparing policy options.
Century and USAA may offer such digital resources, and assessing the availability and quality of these tools can contribute to a more informed choice when selecting an insurance provider.
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Customer Reviews
When it comes to choosing the right car insurance company, it’s important to consider what other customers have to say about their experience with the provider. Here’s a brief overview of what customers have to say about Century and USAA car insurance:
Century Car Insurance:
- Customers appreciate the affordable rates offered by Century, as well as the ease of signing up for coverage.
- Some customers have reported issues with filing claims and customer service, noting that it can be difficult to get in touch with a representative.
- Overall, Century has received mixed reviews from customers, with some praising the company for its low rates and others expressing frustration with its customer service.
USAA Car Insurance:
- USAA has a reputation for excellent customer service, with many customers noting that representatives are friendly, knowledgeable, and helpful.
- Customers appreciate the flexibility of USAA’s coverage options, as well as the company’s online tools and resources.
- Some customers have reported issues with the claims process, noting that it can be slow or difficult to navigate.
- Overall, USAA has received positive reviews from customers, with many noting that they appreciate the company’s commitment to serving military members and their families.
Case Studies: Century vs USAA Car Insurance
Case Study 1: John’s Experience With Century Car Insurance
John, a resident of Michigan, chose Century Car Insurance for its affordable rates and quality service. He was impressed with their personal injury protection coverage, which provided added security in case of an accident. John found Century’s claims process to be smooth and hassle-free, ensuring a stress-free experience during an unfortunate incident.
Case Study 2: Sarah’s Satisfaction With USAA Car Insurance
Sarah, an active military member, opted for USAA Car Insurance due to its specialized coverage options for military personnel and their families. She appreciated the competitive rates and exceptional customer service provided by USAA. Sarah also benefited from USAA’s rental car reimbursement and roadside assistance, which gave her peace of mind while traveling.
Case Study 3: Mike’s Savings With Century Car Insurance Discounts
Mike insured multiple cars with Century Car Insurance, taking advantage of their multi-car discount. By maintaining a clean driving record, he also qualified for a safe driver discount. These discounts significantly reduced his car insurance premiums, allowing him to save money while enjoying comprehensive coverage.
Frequently Asked Questions
What sets USAA apart from Century in terms of coverage options?
USAA stands out with specialized coverage options designed for military personnel and their families, offering a unique advantage over Century.
Is Century’s multi-car discount a significant factor in choosing their insurance?
Century’s multi-car discount can be a compelling factor for customers insuring multiple vehicles, potentially leading to substantial savings on premiums.
How does the availability of Century and USAA differ geographically?
While Century’s services are limited to specific states, USAA provides nationwide coverage, ensuring accessibility for customers across all 50 states and Washington, D.C.
What digital features do Century and USAA offer for policy management?
Both Century and USAA provide mobile apps and online account management, enhancing convenience with features such as claims filing, premium payments, and policy updates.
What customer feedback is available regarding the claims process for Century and USAA?
Reviews indicate that both Century and USAA have efficient claims processes, with policyholders experiencing timely responses and resolutions. However, individual experiences may vary, and customer feedback provides valuable insights into these processes.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.