USAA Car Buying Service

What is the USAA Car Buying Service?

Buying a car can be one of the most stressful purchases in your life, next to buying a house or paying for college, but USAA helps make it much easier. With the USAA Car Buying Service, you don’t need to worry about being swindled by car salesmen or getting ripped off on your loan rates.  On Average, USAA members save $3,537 off the MSRP of all new vehicles. As for loan rates, USSA members save 0.50% on car loans with USAA Car Buying Service and have thousands of vehicles to choose from, such as BMW, Ford, Subaru, Toyota, and Mercedes-Benz. USAA can provide this impressive selection of vehicles because of their partnership with TRUCar. TRUCar is known as one of the largest car dealership Sponsors in the country with a respectable reputation for offering fair prices for new and used vehicles.

How Does USAA Car Buying Service Work?

The USAA Car Buying Service serves as a middleman between you and the dealerships near you to ensure you don’t get taken advantage of, financially. As USAA brings in business to thousands of dealerships, the dealerships are incentivized to offer the lowest price on the market for that vehicle.  Other companies offer great rewards too, so I still recommend looking at websites, such as Kelley Blue Book and CarFax, to compare prices to gain leverage in your pursuit of a car. I have found lower prices for vehicles on both of those websites, so do your research and make your decision after you add up the total cost of the car buying service.

If you’re reading this blog and asking yourself, “how much does the service cost?” the answer is nothing for the car buyer. USAA gets paid directly from the dealerships that are getting your business, so we as consumers don’t pay anything extra. Due to the overall weight of a company that has the business of every warfighter (that I know) in our country, they’re able to push that weight to encourage dealerships to be fair and accountable. As with many programs that USAA offers, the USAA Car Buying Service does a great job of relieving the stress of car buying. Walking into a dealership, knowing that a billion-dollar company is making sure you don’t get ripped off is a great feeling to have.

How Do I Buy a Car on USAA Car Buying Service?

The fast and easy way to buy a car through this service is to go to this website (Your screen should look like this screenshot below). As the page opens up, simply select if you want a new or used car and select the vehicle make you want to look for. Once you click search, a list of all available vehicles will be listed along with their prices and the closest location to your desired area code. Search for your vehicle, and once you click on the vehicle, you’ll be asked to log in with your USAA number (you know the drill). Once your identity is confirmed by USAA, you can buy your car with the help of a USAA Car Buying Service expert. They will literally guide you step-by-step with all the paperwork you’ll need, and they will be able to tell you if your credit score and cash flow qualify for a loan (just remember, cash is King!).

 

 

Guide To Using USAA Car Buying Service?

As someone who has used this service and has been taken advantage of by dealerships outside of this program, I want to share how I would do it over. The first thing you have to do is get your financials in order and make sure you can prove you have the money to buy a car. Once you understand how much you can afford, you need to figure out how much money should put down on the vehicle if you’re financing the vehicle. The tables below should provide you with a great place to start buying a new car with USAA Car Buying Service. I ask all of our readers to put their bravado and ego aside and avoid the same mistake I made during my first-time car buying experience.

Buying a New Car With USAA Car Buying Service
How Much Car Can I Afford? This quick blog on USAA will explain the topics you need to think about before buying a new or used car. If you don’t know that you should not spend more than 15% of your take-home pay on a car payment, then you need to read this blog!
How Big Should My Down Payment Be? Knowing how much to put down on a car to keep you financially stable is sometimes difficult to figure out. If you don’t know that putting a high down payment on a vehicle increases our chances of being approved of a loan
How To Negotiate a Great Deal on Your Next Car? This video explains a few important tips to figure out how to get a better deal on a car. Going into a negotiation with confidence and knowledge is important to get the best possible price and value.
What’s the True Cost of Your New Car? Understanding the upfront cost of Taxes, Titles, and License (TTL) and the cost of ownership year to year is the financially responsible thing to do.
When is The Best Time To Buy A Car? Is it better to buy a car in the fall, winter, spring, or summer? If you don’t know, read this article and learn when to shop for the best deals.
Should I Buy a Vehicle Service Contract or Extended Car Warranty? At the end of your car buying experience, you’ll need to decide whether you’re going to buy the Extended Car Warranty or the Vehicle Service Plan. If you are new to car buying and don’t know what any of those words mean, read this article.

Should I Buy A Used Car With USAA Car Buying Service?

The decision to buy a used or new car is often manipulated by society to have the newest and recent material object, such as the New I-Phone or newest 8K TV at BestBuy. There are times to buy a new car, but most of the time, buying a used car is the right move to make. For example, if you were to buy a brand new Ford F-150 pick-up truck for $45,000 (low price for new F-150), the minute you drive it off the lot, the car is now worth $40,000 at best. The only thing faster than the depreciation of vehicles Tyreek Hill on a football field. For that fact, it’s often best to buy a used car and not worry about the rapid depreciation. Before you buy a used car, take a look at the articles created by USAA to help you get the best deal you could.

Buying a Used Car using the USAA Car Buying Service
9 Advantages of owning a Minivan As many Vets can attest to, Minivans are capable of carrying a large family and suitcases without paying a boatload for them. For 9 more advantages of buying a Minivan, read this article, and save money.
4 Things To Look For in a Used Car The first thing you need to do when buying a used car is figuring out what you’re looking for in mileage and aesthetics. If you’re not sure about everything you should be thinking about when buying a used car, you’ll want to see this article.
Get Top Dollar When Selling Your Car If you’re going to buy a used car, I’m deducing you’re probably interested in selling a used car. If you’re trying to get the most you can get out of your current car to go towards your newer car, read this article to get the best tips.
7 Things To Know About Your Title If your someone who puts your title in the glovebox or doesn’t know your lender gets priority on your car title, please read this article!
Auto Loan Calculator Once you figure out what kind of car you want and what you’re willing to pay, type what you want to loan, and USAA will give you a quote for what you’re qualified for.
5 Ways to Help Lower Auto Insurance Rates One of the biggest killers of buying your dream car is the cost of insurance, which is different for new and used vehicles. Before you insure your vehicle, read this article and get tips from the experts at USAA.

*Is USAA The Best Car Insurance for Veterans? If you’re not convinced about USAA Car Insurance, read this blog and decide for yourself.

Why Should I Use USAA Car Buying Service over its competitors?

I get asked this question a lot, and my answer is always to use as many resources as you can to achieve your goal of buying a new/used car at the best price. Even USAA recommends researching the cost of vehicles at Kelley Blue Book and CarFax to compare and contrast prices from different sources. There are 4 reasons why you should buy your car with USAA after your research is concluded.

  1. TRUCar guarantees you get the best price that includes all the fees, including TTL
  2. Dealers compete against other dealerships for our business, the best prices win the deal
  3. USAA provides a price curve for all the same vehicles sold versus what you’re about to pay. This provides the consumer with an opportunity to know that it’s a fair asking price.
  4. Once you login to other car buying services, you’re going to be hit with a lot of advertising spam from all the companies that bought your information from them. USAA makes sure to keep your information private, so you don’t get 1,000 credit cards and car offers in the mail.

Does USAA Car Insurance Help With the Car buying Service?

USAA Car insurance is one of the most popular products from USAA for veterans, active-duty soldiers, and their families. My personal thought on USAA Car Insurance is that the service is not very good anymore. I’ve had USAA Car Insurance for the last 15 years and it was once the best customer service I’ve ever seen. Now, USAA has gotten so big that their customer service is not a top priority for them anymore. Before I digress too much, having USAA Car Insurance WILL for sure help you when you buy a car with the car buying service. USAA has a loyalty program, meaning the more products you have with them (credit cards, mortgages, insurance, etc..), the easier it is for each new service you buy from USAA. Having insurance with USAA will allow you to streamline the process because everything needed is in one location.

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