United Services Automobile Association: 7 Ways to Save Money as a Member

The United Services Automobile Association (USAA) is a financial services company that provides insurance, banking, and investment services to military members, veterans, and their families. USAA was founded in 1922 by a group of Army officers who wanted to provide affordable insurance to their fellow soldiers. Today, USAA has over 13 million members and is one of the largest insurers in the United States.

1. Take Advantage of Military Discounts

USAA offers a variety of discounts to military members and veterans. These discounts can save you money on insurance, banking, and investment products. Some of the most popular military discounts include:

• Auto insurance: USAA offers discounts of up to 15% on auto insurance for military members and veterans.
• Home insurance: USAA offers discounts of up to 10% on home insurance for military members and veterans.
• Renters insurance: USAA offers discounts of up to 5% on renters insurance for military members and veterans.
• Life insurance: USAA offers discounts of up to 10% on life insurance for military members and veterans.
• Banking: USAA offers checking and savings accounts with no monthly fees for military members and veterans.
• Investments: USAA offers a variety of investment products with low fees for military members and veterans.

2. Use USAA's Financial Planning Tools

USAA offers a variety of financial planning tools to help you manage your money and reach your financial goals. These tools include:

• Budgeting tools: USAA offers a variety of budgeting tools to help you track your income and expenses.
• Investment calculators: USAA offers a variety of investment calculators to help you estimate your returns and compare different investment options.
• Retirement planning tools: USAA offers a variety of retirement planning tools to help you plan for your future.

3. Get a Rewards Credit Card

USAA offers a variety of rewards credit cards that can help you earn cash back, travel rewards, or other benefits. Some of the most popular USAA rewards credit cards include:

• USAA Cashback Rewards Plus American Express: This card earns unlimited 1.5% cash back on all purchases.
• USAA Rewards Visa Signature: This card earns 2% cash back on gas and groceries, and 1% cash back on all other purchases.
• USAA Preferred Rewards Visa Signature: This card earns 3% cash back on dining and entertainment, and 2% cash back on gas and groceries.

4. Shop for Car Insurance

USAA offers competitive car insurance rates to military members and veterans. To get a quote, you can visit USAA's website or call 1-800-531-USAA.

5. Manage Your Money Online

USAA offers a variety of online banking tools to help you manage your money. These tools include:

• Online banking: You can view your account balances, transfer money, and pay bills online.
• Mobile banking: You can access your accounts and conduct transactions on your mobile phone.
• Text banking: You can receive text messages about your account activity.

6. Get Help from a Financial Advisor

USAA offers free financial advice to military members and veterans. To speak to a financial advisor, you can call 1-800-531-USAA or visit USAA's website.

7. Take Advantage of USAA's Community Involvement

USAA is committed to supporting the military community. USAA sponsors a variety of programs and events that benefit military members and veterans. Some of USAA's most popular community involvement programs include:

• Military Scholarships: USAA offers a variety of scholarships to military members and their families.
• Military Spouse Employment Program: USAA offers a program that helps military spouses find employment.
• Military Community Network: USAA offers a network of resources and support for military members and veterans.

Tips and Tricks

Here are a few tips and tricks to help you get the most out of your USAA membership:

• Use USAA's online tools. USAA offers a variety of online tools to help you manage your money and reach your financial goals. These tools include budgeting tools, investment calculators, and retirement planning tools.
• Get a rewards credit card. USAA offers a variety of rewards credit cards that can help you earn cash back, travel rewards, or other benefits.
• Take advantage of military discounts. USAA offers a variety of discounts to military members and veterans. These discounts can save you money on insurance, banking, and investment products.
• Get help from a financial advisor. USAA offers free financial advice to military members and veterans. To speak to a financial advisor, you can call 1-800-531-USAA or visit USAA's website.

Common Mistakes to Avoid

Here are a few common mistakes to avoid when using USAA:

• Not taking advantage of military discounts. Many military members and veterans miss out on significant savings by not taking advantage of USAA's military discounts.
• Not using USAA's online tools. USAA's online tools can help you save time and money. By using these tools, you can manage your money more efficiently and reach your financial goals sooner.
• Not getting a rewards credit card. USAA's rewards credit cards can help you earn cash back, travel rewards, or other benefits. By getting a rewards credit card, you can maximize your savings and rewards.
• Not getting help from a financial advisor. USAA offers free financial advice to military members and veterans. To speak to a financial advisor, you can call 1-800-531-USAA or visit USAA's website.

How to Get Started

To become a USAA member, you need to be a military member or veteran, or the spouse or child of a military member or veteran. You can join USAA online, by phone, or by mail.

To join USAA online, visit USAA's website and click on the "Join Now" button. You will need to provide your personal information, including your military status and your relationship to a military member.

To join USAA by phone, call 1-800-531-USAA. You will need to provide the same information that you would provide if you were joining online.

To join USAA by mail, complete the USAA membership application form and mail it to the following address:

USAA
9800 Fredericksburg Rd
San Antonio, TX 78288

Once you have become a USAA member, you can start taking advantage of the many benefits that USAA has to offer. These benefits include discounts on insurance, banking, and investment products, as well as access to financial planning tools and resources.

Additional Information

Here is some additional information that you may find helpful:

• USAA's website: https://www.usaa.com
• USAA's phone number: 1-800-531-USAA
• USAA's email address: [email protected]

Tables

Table 1: USAA Military Discounts

Table 2: USAA Rewards Credit Cards

Table 3: USAA Financial Planning Tools

Table 4: USAA Community Involvement Programs