Get the Coverage You Need with USC Credit Union Auto Insurance

Purchasing auto insurance can be a confusing and stressful process. With so many options and factors to consider, it’s hard to know if you’re getting the right policy at the best price. This is where working with USC Credit Union can make all the difference.

As a member of USC Credit Union, you have access to competitive and comprehensive auto insurance through Trojan Insurance Services. Whether you’re looking for basic liability coverage or protection for your brand new vehicle, Trojan Insurance has the policy you need at a price you can afford.

In this article, we’ll walk through everything you need to know about getting auto insurance through USC Credit Union and Trojan Insurance Services.

Overview of USC Credit Union

Before diving into the auto insurance details, let’s start with some background on USC Credit Union.

USC Credit Union is a full-service financial institution serving the University of Southern California community. With over $3 billion in assets, USC Credit Union provides banking, lending, and investment services to over 100,000 members.

In addition to great rates on loans and accounts, USC Credit Union members enjoy valuable benefits like:

• Access to over 5,600 shared branches and 30,000 surcharge-free ATMs nationwide
• Free checking accounts with no monthly fees
• Mobile and online banking services
• Financial planning and retirement services

USC Credit Union partners with Trojan Insurance Services to offer members discounted insurance rates. Trojan Insurance provides coverage options for auto, home, renters, business, and more.

What is Trojan Insurance Services?

Trojan Insurance Services is the insurance agency of USC Credit Union. When you get insurance through Trojan Insurance, you’re working directly with USC Credit Union’s trusted partner.

The Trojan Insurance team has over 25 years of experience in the insurance industry. They shop among top insurance carriers like Mercury, Progressive, and Allied to find the best rates tailored specifically for credit union members.

Trojan Insurance offers all types of insurance, including:

• Auto insurance
• Homeowners insurance
• Renters insurance
• RV insurance
• Boat insurance
• Umbrella insurance
• Earthquake insurance
• And more!

Because Trojan Insurance only serves credit union members, they provide customized packages not available from standard insurance companies. Essentially, you get VIP treatment and access to exclusive discounts.

Benefits of USC Credit Union Auto Insurance

Why choose Trojan Insurance over the big name insurance providers? Here are some of the top benefits of getting auto insurance through USC Credit Union:

Discounted Rates

The main advantage of going through Trojan Insurance is access to discounted insurance rates. As a group policy through the credit union, you automatically get reduced premiums on coverage.

Rates are 5-15% lower on average compared to traditional auto insurance companies. Over time, these discounts really add up and you could save hundreds per year.

Local Agents

With Trojan Insurance, you work with a dedicated local agent based in Southern California. The agent acts as your personal representative for handling any claims, adjustments, and renewals.

It’s nice having an agent who’s familiar with USC Credit Union and the Los Angeles area. They can cater recommendations specifically for local driving conditions and your needs.

Policy Flexibility

Trojan Insurance offers flexible policy options from basic state minimums to full comprehensive coverage. They work with national insurance carriers to build a custom auto insurance package.

You’re not locked into rigid company policies. Instead, you can mix and match coverage like:

• Collision and comprehensive
• Uninsured/underinsured motorist
• Rental car reimbursement
• Roadside assistance
• Accident forgiveness
• And more

High Quality Service

As an established agency with only credit union members, Trojan Insurance provides personalized and reliable service. They have a strong satisfaction rating and handle claims quickly and fairly.

Members have given positive feedback about the customer service experience with Trojan Insurance compared to large impersonal insurance companies.

Seamless Payment

One convenience factor with Trojan Insurance is easy payment integration. Premiums can be directly billed to your USC Credit Union account.

You don’t have to worry about mailing checks or managing yet another bill. Auto insurance payments can be handled seamlessly right through the credit union.

What Auto Insurance Coverage Do You Need?

Auto insurance requirements vary by state. In California, drivers are required to carry:

• Bodily injury liability – covers injuries to others in an accident you cause
• Property damage liability – covers damage to others’ property in an accident you cause
• Uninsured motorist – covers injuries to you caused by an uninsured driver

However, the state minimum liability amounts only provide $15,000 per person or $30,000 per accident in injury coverage. That won’t be enough for serious accidents.

Experts recommend 100/300/50 minimum auto liability limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $50,000 property damage per accident

From there, you can add other optional coverage like collision, comprehensive, medical payments, and more. Trojan Insurance walks you through exactly how much coverage you need for your situation.

Some factors that determine your rates and recommended coverage levels include:

• Age and driving record
• Type of vehicle
• Regular commuting or leisure use
• Location and driving environment

Trojan Insurance considers all these specifics for USC Credit Union members to build an auto policy providing the right protection.

How to Get a Quote for USC Credit Union Auto Insurance

Ready to enjoy exclusive discounts and benefits through Trojan Insurance Services? Here are the steps to getting a free quote:

1. Contact Trojan Insurance

You can call Trojan Insurance at 855-487-8587 or start online at www.trojaninsurance.org.

Explain you’re looking for a quote as a USC Credit Union member. Provide details like your full name, vehicle info, and current coverage.

2. Discuss Your Needs

An agent will learn more about your driving habits, vehicle usage, budget, and insurance priorities. This helps tailor recommendations specific to your needs.

3. Compare Quotes

The agent will contact insurance carriers and shop quotes on your behalf. You’ll get back competitive rates from top insurers that leverage USC Credit Union discounts.

4. Choose Your Policy

Review the options and select a policy that fits your budget and coverage requirements. Ask questions if you need help choosing or want to adjust the package.

5. Provide Payment Details

Once you’ve picked a policy, provide payment information. As a USC Credit Union member, you can have premiums directly billed to your credit union account.

That’s it! The agent will handle submitting paperwork and getting you set up for seamless coverage.

Why Choose USC Credit Union for Auto Insurance?

Purchasing auto insurance is so much easier and affordable with USC Credit Union and Trojan Insurance Services. Here’s a quick recap of the benefits:

Exclusive Discounts – Rates 5-15% lower than competitors thanks to credit union buying power

Local Agents – Dedicated LA-based agents provide personalized service

Flexible Coverage – Build a custom policy that fits your needs

Seamless Payment – Direct bill premiums to your credit union account

Trusted Provider – Over 25 years of experience serving credit union members

Don’t leave money on the table with overpriced auto insurance. Contact Trojan Insurance Services today to start saving as a USC Credit Union member.