I've bounced between GEICO and USAA a couple times (mostly because my driving record isn't exactly spotless, lol). Honestly, deployment discounts can be decent if you're gone for a while—like 6 months or more—but shorter stints don't really move the needle much. USAA's real perk is their flexibility with overseas stuff and storage coverage during deployments. If that's not your situation, GEICO might still be the better bet...especially if you're already happy with them. Have you checked if GEICO offers something similar?
"Honestly, deployment discounts can be decent if you're gone for a while—like 6 months or more—but shorter stints don't really move the needle much."
Yeah, noticed the same thing. GEICO's been decent for me despite my less-than-perfect record, but does anyone know how forgiving USAA is with high-risk drivers compared to GEICO?
I've been wondering about this too, actually. GEICO's been alright for me, but I've heard mixed things about USAA when it comes to drivers with a few dings on their record. A buddy of mine switched to USAA after a couple speeding tickets and said his rates jumped noticeably higher than what GEICO offered him. But then again, another friend swears USAA gave him a better deal even after an accident—so maybe it's case-by-case?
Does anyone know if USAA tends to look more at recent driving history or if they're more focused on overall long-term records? Curious if they're stricter on certain infractions compared to GEICO, like speeding vs. fender-benders...
