What is your top insurance question?

USAA Community First Time Car Buyer.jpg



How can we help you understand the ins and outs of your insurance policy? We are here to help you understand terms, deductibles, etc.


*If you have a USAA service related question, please visit our Support areahttps://communities.usaa.com/t5/Support/ct-p/support

Please sign-in to reply


What happens if you dont use your car that much and you dont pay insurance for a year?

Great questions @Stri51785. There are a few things to consider here. If you have a loan on your vehicle, the lienholder generally requires that you carry comprehensive and collision coverage for the life of the loan to protect their asset. If the lienholder finds that you do not have insurance on the vehicle, they can force place coverage which can be very expensive. The second thing to consider is that all states have minimum liability insurance requirements if your vehicle is registered in the state. Some states provide their residents with the option to 'take their vehicle off the road' or make it inactive for a time, but you definitetly want to verify the process with your state's motor vehicle department. The last thing to consider is that if you cancel your insurance for a year and you decide you need insurance again, your rate will likely be higher due to the gap in insurance coverage. If you have more specific questions about your situation, we always recommend you chat with us or call us. - Heather

I would like a quote for home insurance then after auto insurance. Can you please help?

Hi @Tish Dye

Welcome to Community! We are so glad you are here! Please don't hesitate to reach out with other questions concerns or just to say hello!


I wanted to also add you can get a quote online for home here:



and Auto here:



I have also removed your phone number from your post to protect your personal information. 


Again, welcome! Please let me know if you have any trouble getting a quote or need anything else. 


Hi Tish, thank you so much for your interest in our insurance. I kindly ask that you remove your phone number to protect your personal information. I welcome you to call us at 800-531-8722 and one of our reps will be more than happy to help with what options we have. We look forward to helping you soon.