A Review of the USAA Auto Circle Program

USAA Auto Circle is just one more reason this particular insurance company stands out in a highly competitive industry. This service is available only to USAA members, and membership is exclusive; only current and active members and their families are eligible for consideration for USAA policies and services. And as they say, membership does have its privileges.


The company’s Auto Circle service offers assistance through the entire car ownership experience. First, USAA car buying assistance program helps members find the car that is right for them: it offers information on new and used vehicles, including performance and safety information. Then the programs helps the user save money purchasing the automobile (the official USAA website claims to help members save an average of over $4500 off MSRP). They do this by having exclusive relationships with car dealerships across the United States.

Members taking advantage of the Auto Circle program have access to an auto loan calculator to help them figure out exactly what they can afford as a car payment and still have money left over for other financial obligations. The guaranteed price of the vehicle is put in writing before the member even goes to the dealership to look at and test drive it, but there is no obligation to buy. USAA even helps members ascertain the value of their trade-in, if they have one.

Secondly, USAA will help with financing. Member-only finance interest rates were apparently as low as 1.79% in October 2011. The loan application may be completed on line and there are no application fees. Review and loan approval (or not) is received quickly, sometimes even instantly. If the member decides to buy using USAA financing, the loan funds may be transferred electronically to participating dealers.

Last but not least, the whole car-buying experience for the USAA member using Auto Circle comes full circle when an insurance policy on the automobile is purchased from and serviced by USAA, whose customer service and claims handling is consistently ranked very highly by industry reviewers.

This article is approved for informational purposes and is not intended to take the place of competent local legal counsel. The writer is not affiliated with USAA.

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