Adding a Car to Your USAA Auto Insurance Policy

If you purchase a new or used car, you’ll need to add it to your existing USAA auto insurance policy. Adding a vehicle ensures it is properly covered in case of an accident, theft, or damage.

With USAA, you can easily add a car online, over the phone, or through the mobile app. The process only takes a few minutes. Below is a detailed guide on how to add a vehicle to your USAA insurance policy.

Overview of Adding a Car to USAA Insurance

Here’s a quick overview of what to expect when adding a vehicle to your USAA policy:

  • Provide details – You’ll need to provide basic information about the car like the VIN, year, make and model. USAA will use this to generate a quote.

  • Get a quote – USAA will provide a quote for adding the new vehicle, including any change in your premium. Rates are based on the car’s attributes as well as your policy limits.

  • Accept quote – If you accept the quote, the car will officially be added to your policy. You can add it right away or on a future effective date.

  • Make payments – Your premium may change after adding a car. USAA will adjust your monthly payments or send a bill for any additional premium due.

  • Get proof of insurance – You’ll receive proof of insurance reflecting the newly added car. Keep this in your glove box.

  • Consider extra coverage – Adding a car is a great time to re-evaluate your coverage limits and deductibles. USAA can recommend options to properly protect the new vehicle.

Below we’ll explore the steps to add a car through USAA’s website, mobile app, or over the phone. We’ll also look at how adding a vehicle impacts your rates.

Adding a Car to Your USAA Policy Online

The quickest way to add a vehicle to your USAA insurance policy is online through their website:

  1. Log into your USAA account and go to your Auto Insurance policy page.

  2. Look for the “Add Vehicle” button or link. This is usually near the top or side of the page.

  3. Click “Add Vehicle” which will take you to a quote form.

  4. Enter details about the car including:

    • Vehicle Identification Number (VIN)
    • Year
    • Make
    • Model
    • Body type (car, truck, SUV, etc.)
  5. Indicate if the car is leased or financed. You may need to add your lender as an “additional interest” on the policy.

  6. Select your coverage limits for physical damage like collision and comprehensive. Make sure they meet any requirements from your lender.

  7. Carefully review the premium quote provided, including any discounts that apply to the new vehicle. The quote will reflect the total premium for all cars on your policy.

  8. If you want to proceed, choose the effective date you want coverage to start. This date must be in the future.

  9. Accept the terms and conditions to add the vehicle.

  10. Pick your payment option – you can pay in full or roll the additional premium into your monthly payments.

Once submitted, you’ll receive immediate proof of insurance for the newly added car. Print or save this to your phone to keep in the vehicle.

The new car will also display in your policy declarations and coverage details. Make sure all information is correct, and the vehicle qualifies for any applicable discounts.

Using the USAA Mobile App to Add a Car

USAA also makes it easy to add a vehicle right from your smartphone. Just use the USAA mobile insurance app:

  1. Open the USAA app and log into your account. Go to your Auto policy.

  2. Look for the option to “Add Vehicle” – this is typically under the menu or policy details.

  3. Enter the VIN to pull basic vehicle information. You can also manually enter the year, make, model and body type.

  4. Select whether the vehicle is leased or financed. Add any necessary lender information.

  5. Choose the physical damage coverage limits you want for the new vehicle.

  6. Review the premium quote and effective date for adding the car.

  7. Accept the terms to officially add the vehicle to your policy.

  8. Pick a payment option – pay in full or in installments through your monthly premium.

  9. Your proof of insurance will generate instantly in the app. You can view, print or email this from your phone.

The newly added car will display in your policy details. Make sure to save or screenshot the updated insurance ID card containing the vehicle.

Contacting USAA to Add a Vehicle

You can also work with a USAA agent over the phone to add a car to your policy:

  1. Call USAA’s customer service line at 800-531-8722.

  2. Tell the agent you want to add a vehicle to your existing auto policy. Provide your member ID to pull up your account.

  3. Give the agent your VIN as well as vehicle details like the year, make, model and body type.

  4. Inform them if the car is leased or financed. Provide your lender’s information if needed.

  5. Select the physical damage limits you want for collision and comprehensive coverage.

  6. The agent will provide a premium quote for adding the vehicle. Make sure you understand how it impacts your total policy premium.

  7. Choose the date you want to add the vehicle and officially request for it to be added to your policy.

  8. Pick your payment method – pay in full upfront or roll into your monthly premium payments.

  9. Ask the agent to email your updated insurance documents reflecting the newly added car.

  10. Carefully review these documents and proof of insurance to make sure all information is correct.

The agent can help explain how the additional vehicle impacts your policy limits, discounts and total premium. This gives you an opportunity to ask questions and adjust coverage as needed.

How Adding a Car Affects Your USAA Insurance Rates

When you add a vehicle to your USAA policy, your premium will likely change. Here are some key factors that impact your rates when adding a car:

  • Vehicle attributes – Rates are partially based on the car’s year, make, model, age and value. Newer, more valuable cars typically cost more to insure.

  • Coverage limits – Your premium is affected by the liability, collision and comprehensive levels you choose for the added car. Higher limits mean higher rates.

  • Driver assignment – The main driver you assign for the added vehicle will impact the rate, based on their demographics and driving record.

  • Discounts – The new car may qualify for certain discounts like multi-vehicle or anti-theft device discounts. This can help lower your overall premium.

  • Increased exposure – Adding another vehicle means USAA is covering higher value overall. This increased risk exposure often results in a higher premium.

  • Policy minimums – If adding a car takes you over a certain threshold for number of vehicles, USAA may require you to move up to a higher policy minimum.

When generating your quote, USAA will factor in these criteria to determine the premium change for adding the new vehicle. Carefully review your new policy declarations to see exactly how your rates are impacted.

You can ask your USAA agent for a detailed explanation of any premium increase. They can provide recommendations to keep your rates as low as possible when adding the additional car.

Important Tips for Adding a Vehicle

Here are some important tips to keep in mind when adding a car to your USAA policy:

  • Add the car right away to avoid lapses in coverage. Damage or accidents are not covered until the vehicle is officially on your policy.

  • Double check that all VIN, vehicle and driver information is accurate in your updated documents. Mistakes can void your coverage.

  • Make sure your liability limits meet any state legal minimums. Some states require a certain level of coverage.

  • Review your collision and comprehensive deductibles when adding the car. Higher deductibles can lower your premiums.

  • Consider usage-based coverage through USAA’s SafePilot program, which can also help lower rates.

  • Take advantage of any applicable discounts for multi-vehicle, good student, driver training, and more.

  • Contact USAA if you sell or remove a vehicle from your policy later on. Your premium will need to be adjusted.

  • Ask USAA to re-evaluate discounts and eligibility whenever your vehicles, drivers or coverages change on your policy.

Adding a car is the perfect opportunity to take a fresh look at your USAA policy. Make sure you have the right liability limits, deductibles and discounts to fit your current needs. USAA agents can provide recommendations to help maximize your coverage at the best possible rate.

Frequently Asked Questions

Can I add a car to my USAA policy anytime?

Yes, you can add a vehicle to your USAA policy at any time. Coverage will start on the effective date you choose. Make sure there are no lapses between policies on the new car.


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How do I add a vehicle to my USAA insurance?

If you’re currently a USAA customer, you can add a new car to your policy by going online, using the mobile app, or calling 800-531-8722. After you add the vehicle, you should expect your rate to go up, though the amount depends on the type of car that you purchase.

How do I add another car to my policy?

Yes, there are two ways to do this. You can either take out a multi car insurance policy, or you can take out two separate car insurance policies. If you choose our multi car insurance, we’ll give you an extra discount and you can insure up to 6 vehicles on one policy. Get a car insurance quote online.

Does USAA cover if someone else drives my car?

If someone drives your vehicle for more than 120 days, we consider them a regular driver. You’ll need to add any regular driver to your policy. Keep in mind that there’s no coverage if a driver you let use your vehicle: Loans the car to another person.

Will USAA insure a car not in my name?

You can purchase non-owners car insurance from most major insurers including Geico, State Farm, and USAA. However, it’s worth noting that not all insurers allow customers to purchase non-owners policies online. If you need one, you’ll likely need to contact an agent via phone or visit a local insurance office.

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