Garrison Property and Casualty Car Insurance Review & Ratings (2024)

Although Garrison Property and Casualty is hard to find, it offers all the reliability, financial strength, and excellent coverage options of USAA. Although there are a few disadvantages to look out for, Garrison’s affordable rates make it an appealing option for military members and their families.

Now that you’ve explored what Garrison can offer you, your next step should be to compare rates with as many companies as possible. Although Garrison Property and Casualty is often the cheapest company, you might find lower rates elsewhere.

What You Should Know About Garrison Property and Casualty Insurance Company

Finding information specific to Garrison Property and Casualty is challenging, but you can rely on USAA ratings to understand how the company does. USAA is considered one of the best insurance companies in the country. It misses a spot on top lists only because it has strict eligibility requirements.

Third-party rating companies are a good place to start when you’re looking for insurance. For example, A.M. Best rates companies on their financial stability. Higher ratings mean a company won’t have trouble paying future claims its customers need to make. USAA has an A++, the highest score a company can receive from A.M. Best.

Another popular third-party rating company is J.D. Power, which rates companies on their overall customer satisfaction. USAA is technically ineligible to rank amongst other companies due to its membership requirements. However, USAA consistently tops the list in every region in the U.S.

One area USAA has been struggling with is customer complaints. The National Association of Insurance Commissioners (NAIC) rates companies on the number of complaints they receive compared to their size. The national average is 1.0 — anything higher means the company gets more complaints.

USAA currently has a 1.95 from the NAIC, which means it receives nearly double the complaints compared to other companies. This score continues a recent trend of increased customer complaints for USAA — its score in 2019 was 1.78.

As a USAA subsidiary, Garrison is generally considered a good company. Despite some negative reviews, most customers are satisfied with their insurance experience with the company. However, most people recommend Garrison and USAA to others.

Garrison Property and Casualty Insurance Company Insurance Coverage Options

Most drivers seek either minimum or full auto insurance coverage. Garrison offers both options. Minimum coverage typically includes liability insurance, and full coverage provides comprehensive protection for your vehicle.

For more details, contact Garrison insurance company claims phone number or check Garrison Property and Casualty insurance company reviews. If you need property management services, consider Garrison property management.

You can buy the following standard car insurance types from Garrison:

• Bodily injury: This half of liability insurance pays for injuries you cause to other drivers, their passengers, and other bystanders in an at-fault accident.
• Property damage: The second half of liability covers damage you cause to other people’s property, like cars and buildings. Liability insurance never covers your expenses.
• Collision: If you want help with car repairs after an at-fault accident, you need collision insurance. It also covers you if you hit a stationary object, like a tree.
• Comprehensive: For all of life’s unexpected events, there’s comprehensive insurance. Comprehensive covers damage from fires, floods, extreme weather, theft, animal contact, and vandalism.
• Personal injury protection/medical payments: Medical payments and personal injury protection insurance cover you and your passengers after an accident. The type you can buy depends on the state you live in.
• Uninsured/underinsured motorist: While most states have insurance laws, not all drivers carry enough coverage. Uninsured motorist insurance protects you from drivers without adequate coverage.

When you buy full coverage, your policy will include everything listed above. While this coverage is relatively complete, it doesn’t cover everything. Most insurance companies offer add-ons if you wish to enhance the coverage in your policy.

Does Garrison Property and Casualty sell car insurance add-ons?

While Garrison sells a few car insurance add-ons, it doesn’t have the longest list. If having ample add-on choices is important to you, you might want to consider a different company.

However, Garrison offers a few solid choices, including:

• Rental car reimbursement: If you have to leave your car at the repair shop after a covered event, Garrison will pay for your rental car.
• Roadside assistance: If you find yourself stranded with a flat tire, dead battery, or another emergency, Garrison will send help.
• Rideshare coverage: Although companies like Uber and Lyft provide their drivers with insurance, those plans leave a gap in your coverage. A Garrison rideshare plan fills those gaps, so you stay safe while working.

Read more: Lyft Driver Car Insurance Discount

Garrison and USAA lack the options some competitors offer, but it makes up for them with affordable rates. However, even though there aren’t too many choices, you should still be cautious about adding too many add-ons to your policy. Add-ons can quickly increase your rates, so you should only buy what you need.

Does Garrison Property and Casualty have a usage-based insurance program?

Most companies offer usage-based insurance programs to help low-mileage, safe drivers save on their insurance. Garrison doesn’t have its own program, but customers can sign up for USAA’s SafePilot plan.

When you sign up for SafePilot, you’ll get an automatic 10% off your insurance. If you maintain safe driving habits, you can save an additional 20%.

Usage-based insurance tracks your driving to help you save, usually through a mobile app or plug-in device. SafePilot tracks the following behaviors:

• Touching your phone
• Making hands-free phone calls
• Harsh braking
• Speeding
• What time you drive
• Swerving
• Mileage

Does Garrison Property and Casualty sell other types of insurance?

Through parent company USAA, you can purchase various additional insurance from Garrison. Garrison customers have access to one of the most extensive lists of additional insurance types, which include the following:

• Boat
• Classic car
• Personal or business umbrella
• Small business
• Life/annuity
• Motorcycle/ATV/UTV
• Mobile home/renters/condo/motorhome
• Health/Medicare
• Commercial auto
• Dental/vision
• Landlord
• Farm/ranch
• Valuable personal property/collectibles
• Travel
• Aviation
• Pet
• Bicycle

Garrison customers can also take advantage of USAA’s banking services, retirement planning advice, and investment management. As long as you qualify, you can use USAA’s money management services no matter what stage of life you’re in.

Garrison Property and Casualty Insurance Company Insurance Rates Breakdown

Finding quotes specific to Garrison is difficult, but you’ll pay what other USAA customers pay. Garrison might struggle in a few areas, but customers love the company’s affordability. In fact, Garrison and USAA are often your cheapest options for car insurance.

Several factors affect your car insurance rates, including:

• Age and gender: Young drivers and men pay higher rates for car insurance because they file more claims, get into more accidents, and engage in risky behaviors.
• Location: Insurance companies track claims numbers by ZIP code, meaning you can see different rates by moving even a few neighborhoods over.
• Marital status: Married couples pay less for insurance because they file fewer claims than their single counterparts.
• Driving history: Drivers with DUIs, speeding tickets, and at-fault accidents pay higher rates for car insurance than people with clean driving records.
• Type of car: Some models cost more to insure than others. The more expensive your car is, the more you’ll pay for insurance.
• Credit score: Drivers with low credit scores pay more for car insurance than people with higher scores.

Although Garrison is usually an affordable company, some drivers pay more than others. Explore Garrison’s average rates below to get an idea of what you might pay.

Garrison Casualty and Property Rates by Coverage

One of the most important factors for car insurance is how much you want to buy. No matter what other circumstances affect your insurance, you’ll pay more for every additional coverage you add to your policy.

Minimum insurance is your cheapest option and is usually affordable, although some states pay more than others. Full coverage can cost double what minimum insurance does, but it offers much better protection.

Consider the rates for full coverage below to get an idea of how much you might pay for insurance.

Average Monthly USAA Auto Insurance Rates by State

While these are average rates, several factors will change them. For example, the average 30-year-old woman pays about $74 a month for full coverage, while a 16-year-old pays about $244. You will also pay less if you go with a minimum coverage policy.

If you’re unsure which coverage is best for you, a Garrison representative can help. They’ll know exactly how much coverage is appropriate for your vehicle.

Garrison Property and Casualty Rates by Age

As you saw above, there’s a significant difference in rates for people of different ages since insurance companies carefully track who makes claims, and they analyze this data by age. Statistically, young drivers cause more accidents, engage in more reckless behaviors, and file more claims than older adults.

A related demographic is your gender — men receive more infractions and cause more accidents than women. For this reason, young drivers and men pay higher insurance rates.

Garrison’s rates are usually more affordable than other companies, but you’ll still see different rates depending on how old you are. Check below to get an idea of how much Garrison charges by age group.

Average USAA Auto Insurance Rates by Age & Gender

Although teens pay higher prices for their insurance, they aren’t stuck with them forever. Keeping your driving record clean will lower your rates around age 25. Parents and guardians can also help their teens get affordable coverage by adding them to a pre-existing policy. The average teen pays about 50% less when added to a parent or guardian’s plan.

Garrison Property and Casualty Rates After an At-Fault Accident

Some factors that affect your car insurance are out of your control, like where you live or your age. Others are completely in your hands — one of the most impactful of these is causing an accident.

The average at-fault accident increases your rates by about 42%, and multiple accidents will result in even higher increases. If you have too many recent car accidents on your record, you might need to find high-risk insurance.

Garrison is once again one of your cheapest options for car insurance after an accident. To get an idea of how much you might save after an accident by shopping with Garrison, compare rates with multiple companies below.

Average Monthly Full Coverage Auto Insurance Rates for a 45-Year-Old Male After an Accident

As you can see, USAA and Garrison can be significantly cheaper than most other companies, highlighting why it’s important to compare as many companies as possible after an accident or other traffic violation. You’ll likely overpay for your insurance if you don’t get multiple quotes.

While you’ll always pay more for car insurance after an accident, your rates won’t be high forever. However, your rates will start to return to normal after about three years if you avoid further infractions.

Garrison Property and Casualty Rates After a Speeding Ticket

One of the most common infractions drivers receive are speeding tickets. The average speeding ticket will increase your rates by about 23%, though the circumstances of the incident also play a role.

For example, you’ll probably see less of an impact on your rates if you get a ticket for speeding 15 mph over the posted limit on a freeway than you would if you couple a speeding charge with reckless driving.

Garrison is once again one of the most affordable options after a speeding ticket. Compare Garrison’s rates with other companies below.

Average Monthly Full Coverage Auto Insurance Rates for a 45-year-old Male with a Ticket

Garrison is significantly cheaper after a speeding ticket than companies like Allstate and Liberty Mutual but has lower rates than most other companies.

Like at-fault accidents, speeding tickets don’t affect your car insurance rates forever. After about three years, your insurance rates will return to normal. However, you’ll see much higher rates if you add additional speeding tickets to your record.

Garrison Property and Casualty Rates After a DUI

While speeding tickets and at-fault accidents dramatically impact you, they don’t increase your rates as hard as a DUI. You’ll see an average increase of about 75% if you get a DWI or a DUI. There is a difference between a DWI and a DUI in some states, and the increase in insurance rates will depend on where you live. However, some drivers can see their rates double or triple.

Like everything else, some companies are more forgiving than others regarding a DUI, while others automatically drop drivers after a single charge. The average 45-year-old driver with a DUI pays about $209 a month for insurance — check below to see if Garrison continues to offer savings.

Average Monthly Full Coverage Auto Insurance Rates for a 45-year-old Male with a DUI

Although Garrison is one of the cheapest options, other companies are a little closer. For example, Erie’s rates are about the same, and State Farm is only slightly more expensive.

Due to the seriousness of the infraction, DUIs affect your car insurance rates for longer than other incidents. The average DUI will affect your rates for about seven years.

Garrison Property and Casualty Rates by Credit Score

While it surprises many drivers, insurance companies can look at your credit score when determining your rates in most states. Currently, only California, Massachusetts, and Hawaii ban the use of credit scores for insurance purposes.

Companies look at credit scores for two reasons. The first is that people with higher scores tend to file fewer claims. The other is that people with lower scores represent a higher risk of being late on their monthly payments.

Researching your options is especially important when your credit score is on the low side. Garrison is not the cheapest option for drivers with a low credit score — Nationwide and Geico are a little cheaper.

Your rates will be higher by about 77% when you have a low credit score, but you can lower your rates by improving your score.

Garrison Property and Casualty Insurance Company Discounts Available

While it doesn’t have the longest list of add-ons, Garrison makes up for it with plenty of discounts. Car insurance discounts are an important part of keeping your rates low and should be one of the things you look for when shopping for coverage.

When you get your car insurance from Garrison, you get access to the following discounts:

• Defensive driver: You can earn a small discount by passing an approved defensive driving course. This discount is usually available to drivers 55 or older.
• Safe driver: Garrison awards drivers who have gone five years or longer without traffic incidents or at-fault accidents.
• Policy bundling: Garrison customers can buy other USAA policies, including homeowners and life insurance. You’ll get a discount on each plan if you buy more than one policy.
• New vehicle: If you’re the first owner of your car, Garrison will give you a small discount.
• Driver education: Younger drivers who pass an educational course will earn a discount on their insurance. This discount varies by state, but it’s usually available to drivers under 25.
• Good student: Full-time students under 25 who maintain a 3.0 GPA are rewarded for their hard work with a discount from Garrison.
• Mutli-vehicle: Earn this discount by insuring multiple vehicles on the same policy.
• Low-mileage: Drivers who put fewer than 12,000 miles on their car per year will see lower insurance rates.
• Loyalty: Garrison rewards long-term customers with savings.
• Family: Earn this discount by splitting off a parent or guardian’s existing USAA or Garrison policy.
• Stored vehicle: As a military insurance provider, Garrison significantly lowers rates for active duty service people who leave their car in storage. Even larger discounts go to drivers who store their car on a military base.
• Pay in full. If you pay for your policy all at once instead of in monthly increments, you’ll save a small amount.

Garrison will apply most discounts you’re eligible for when you apply for a policy, but you can always ask a representative to check that you’re getting every possible savings. You might have to submit proof for some discounts, including the good student discount.

Overview of Garrison Property and Casualty Car Insurance

Effortless Garrison Property and Casualty Car Insurance Claims Filing

Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)

Filing a claim with Garrison Property and Casualty Insurance is a straightforward process designed to provide convenience to policyholders. The company offers multiple channels for claim submissions, ensuring flexibility for its customers.

You can easily file a claim online through their user-friendly website or use their dedicated mobile app for quick and efficient claims processing. Additionally, if you prefer a more personal touch, Garrison allows claim submissions over the phone, ensuring that policyholders can choose the method that suits them best.

Average Claim Processing Time

When it comes to claim processing, Garrison Property and Casualty is known for its efficiency. While actual processing times may vary depending on the nature and complexity of the claim, the company strives to handle claims promptly. Their commitment to a swift resolution ensures that policyholders can get back on the road or recover from property damage without unnecessary delays.

Customer Feedback on Claim Resolutions and Payouts

Customer feedback is often a reliable indicator of an insurance company’s performance in handling claims. Garrison Property and Casualty Insurance has received positive reviews for its claim resolutions and payouts.

Policyholders have expressed satisfaction with the company’s responsiveness and fairness in settling claims. This positive feedback underscores the company’s commitment to providing excellent customer service and ensuring that their clients are well taken care of during challenging times.

Unveiling Garrison Property and Casualty Car Insurance Insurance Technology

Mobile App Features and Functionality

Garrison Property and Casualty Insurance offers a robust mobile app designed to enhance the overall customer experience. The app provides easy access to policy information, allows users to file claims seamlessly, and offers a range of convenient features.

Policyholders can use the app to view and manage their policies, track claim status, and even receive important notifications directly on their mobile devices. Garrison’s mobile app brings insurance management to the fingertips of its customers, simplifying the process and providing peace of mind.

Online Account Management Capabilities

Digital Tools and Resources

Garrison understands the importance of providing valuable resources to its policyholders. Through its digital platform, the company offers a wealth of resources, including educational materials, FAQs, and guides to help customers navigate their insurance needs effectively.

Whether you’re looking for information on coverage options, safety tips, or insurance-related advice, Garrison’s digital tools and resources are readily available to assist you in making informed decisions about your insurance coverage.

How Garrison Property and Casualty Insurance Company Ranks Among Providers

Garrison Property and Casualty Car Insurance, under the umbrella of USAA, provides a range of auto insurance options. While Garrison is known for its affordability and coverage, it’s essential to consider other competitors in the market. Below is a list of some notable competitors in the auto insurance industry.

• Geico: Known for its competitive rates and extensive coverage options, Geico is a widely recognized auto insurance provider.
• State Farm: As one of the largest insurance companies in the U.S., State Farm offers a range of insurance products, including auto insurance, with a strong emphasis on customer service.
• Progressive: Renowned for its innovative approaches and user-friendly online tools, Progressive is a popular choice for those seeking customizable auto insurance policies.
• Allstate: With a broad range of coverage options and a strong financial standing, Allstate is a well-established competitor in the insurance market.
• Nationwide: Offering a variety of insurance products, Nationwide provides auto insurance with a focus on personalized coverage and member benefits.
• Farmers Insurance: Farmers is known for its agent-driven approach, offering personalized service and various coverage options for auto insurance.

Garrison Property and Casualty Car Insurance stands out for its affordability and ties to USAA, exploring these competitors allows consumers to make informed decisions based on their unique insurance needs. It’s recommended to compare quotes and coverage options from multiple providers to find the best fit for individual preferences and requirements.