Get proof of insurance and learn how to use your coverage, adjust your costs, get discounts and more.
Most states require you to carry a physical insurance ID card. You can print your own card or we can send it to you. You can also save a copy to the USAA Mobile APP.
This gives a detailed summary of your policy. To find it, go to My Documents. Open the insurance folder, then open your Automobile Insurance Renewal file.
Car dealers usually call this a binder. If you’re getting ready to buy or lease a vehicle, you can request this document for yourself, the dealer or lender.
Most states require minimum levels of liability coverage. You can choose amounts above the minimum based on your needs and what your state offers.
Liability coverage helps protect your money if you’re responsible for an accident. It can cover:
Collision coverage helps pay to fix or replace your vehicle if you’re responsible for an accident. It can cover:
Comprehensive coverage helps pay for things beyond your control that don’t involve another vehicle. It can cover:
Uninsured and underinsured coverage helps protect you and your passengers. It can cover:
Get help if you run out of gas, get a flat tire, need a jump-start, get locked out or need a tow. Read about roadside assistance.
This could help pay for a rental car while yours is in the shop for covered repairs.
If your vehicle is declared a total loss, this gives you an extra 20% of its actual cash value, which is what it’s worth after depreciation.
“Full coverage” doesn’t actually exist on your auto policy. But your lender may use that term when you buy your car.
They usually mean coverage for physical damage like comprehensive and collision in addition to the minimum liability required by your state.
That doesn’t mean you’re fully covered for every scenario.
If limits for liability coverage fall short of your net worth, then an umbrella policy can provide extra coverage.
Sometimes filing a claim is optional, like when there’s minimal damage to your own vehicle and the cost to repair is less than your deductible. Or you don’t want to fix your vehicle and it’s not owned by any other party, lease or finance company.
Examples of when you should file a claim:
In most cases, we’ll automatically renew your policy. You’ll need to review it and make sure it still meets your needs. You may also want to check your discounts.
We understand things change. If you’re thinking about canceling, see how we can help.
Read video transcript
What To Look for When Reviewing Your Auto PolicyVideo Duration: 2 minutes 46 seconds
It’s time to review: Elapsed time 0 minutes 0 seconds [00:00]
When it’s time to renew your auto policy, there can be a lot to keep track of. And you may have an opportunity save money down the road, too.
To help you stay on track and get the most out of your policy, let’s go over the 5 things you should do before a renewal.
Review renewal documents: Elapsed time 0 minutes 15 seconds [00:15]
One. Review your renewal documents.
Taking a good look at everything that’s on your policy will help you know if it still meets your needs.
You can find your renewal documents on usaa.com or the USAA Mobile App.
Review billing details: Elapsed time 0 minutes 55 seconds [00:55]
Two. Review your billing details.
If you want to check on your bill details or payment settings, you can find your Auto Property Insurance Statement on “My Documents.” Select the insurance folder.
To set up automatic payments or update payment amounts and dates, select “Pay Bills” on your statement.
Check your discounts: Elapsed time 1 minute 12 seconds [01:12]
Three. Check your discounts.
Renewal time can be the best time to find new ways to save money or make sure your current discounts stay active.
Discounts like the Good Student discount and the Defensive Driving discount need to be updated at each renewal.
Review your coverage: Elapsed time 1 minute 29 seconds [01:29]
Four. Review your coverage.
The next thing you’ll want to do is make sure you have the right amount of liability, collision and comprehensive coverage.
Liability coverage helps you pay for losses if you’re at fault in an accident.
Collision coverage helps cover damage to your vehicle that’s caused by a collision, when you are at fault.
Finally, comprehensive coverage helps pay for damage that’s caused by something other than a collision, like a fire, vandalism or theft.
Also review liability limits to make sure it’s enough coverage to protect your assets.
Explore options: Elapsed time 2 minute 7 seconds [02:07]
Five. Explore your options.
Sometimes rates can go up for reasons you can’t control, like an increase of claims in your area or the cost of labor and parts.
That’s why we offer a list of cost-saving options, like savings for having multiple USAA products, like banking or life products, and discounts for automatic payment plans.
If you’re driving less than you used to, you could switch to a pay as you drive policy to save money.
You can also save on your premium by getting SafePilot®. The better you drive, the bigger the discount you could earn.
Let’s finish reviewing your policy.
End: Elapsed time 2 minutes 46 seconds [02:46]
