A good used car deserves good insurance coverage, and USAA can help
USAA auto insurance is available to drivers who meet certain eligibility requirements. If you want to buy USAA car insurance for your used car, you have a number of excellent policy options at great cost breaks.
Eligibility
In order to be eligible to purchase USAA car insurance coverage for your used car, you must be:
- An active or retired member of the military
- An adult child whose eligible parent has had a USAA property insurance or auto insurance policy
- An officer candidate in a training program such as ROTC
- The widow or widower of a person who had USAA property insurance or auto insurance
Discounts
If you are shopping for used car insurance with USAA, you should be aware of some of the discounts available to members.
- Safe driver - if you maintain a safe driving record for more than five years, you may qualify for the safe driver discount
- Driver training - by taking a defensive driving course or basic driver training course, you may qualify for lower rates
- Multi-vehicle - if the used car you bought is a second car, USAA offers discounts for insuring multiple vehicles
- Multi-policy bundling - purchasing multiple types of coverage from USAA will get you discounts on the premium for each line of insurance you buy
- Good student - USAA offers discounts for student drivers who get good grades at school
Costs
When insuring a used car with USAA, several factors may affect the price of your policy. One factor is your driving record; it will cost you more to insure a vehicle if you have a record of accidents or driving infractions. Another factor is the type of car you drive. Insurance companies look at each vehicle's crash test scores and other 
information when determining how much to charge to insure a certain model. Your location will also affect your used car coverage rate, as some areas have higher rates of theft than others.
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A common misconception regarding auto insurance is that it is cheaper to insure used cars. Depending on the condition of the vehicle and the safety features it has, purchasing USAA car insurance for your used car can be more expensive at times compared to the price of insuring a brand new car.
Coverage options
USAA offers the basic lines of coverage you would want to consider when insuring a used car: liability coverage, comprehensive coverage and collision coverage.
Liability coverage is the insurance used to pay for property damage and injuries to others if you cause an accident. Most states have minimum liability requirements, which are expressed in three different numbers. If your state's minimum is 25/50/10, that means you must have $25,000 in bodily injury coverage for a single person involved in the accident, a minimum of $50,000 of total bodily injury coverage for each accident and $10,000 in coverage for property damage per-accident.
Comprehensive coverage pays for damage caused by events other than car accidents. This type of coverage protects you if your car is damaged by fire, vandalism, natural disaster, theft or falling objects.
Collision coverage pays for repairing or replacing your car if it crashes into another car, if it rolls over or if it crashes into another object.
With comprehensive and collision options, you will need to seriously factor how much or even if you should add these to insuring your used car. With either of these options, USAA lets you set a deductible. The higher the deductible, the less you pay for your policy. If your deductible is $3,000 and your car is only worth $2,500, paying for this additional coverage may not be sensible.
If you need to insure a used car you've recently purchased, USAA might be the best company to meet your needs. Reply! can help you locate a local car insurance agent who can answer your insurance questions and help you select a policy that provides the coverage that you need, and one that will work within your budget.