Why did my bill amount change?
Your bill amount can change for several reasons. If rates change or you add a driver to your policy, your auto premium may go up.
And home renovations may cause your homeowners premium to change.
Video Duration: 2 minutes 45 seconds
Your bill amount can change: Elapsed time 0 seconds [00:00]
Your bill amount can change for several reasons and at different times.
Here are some common reasons why.
#1: Your renewal rate increased: Elapsed time 7 seconds [00:07]
We never raise rates to make up for past claims. But we do look at several factors when determining future rates, such as:
- The likelihood you’ll have a claim and how much it would cost to pay for it.
- The expected frequency and severity of future claims in the area where you live.
- Economic events that may cause prices to rise.
#2: You made changes to your policy: Elapsed time 31 seconds [00:31]
These can be things like adding drivers, changing coverage options or updating your home characteristics.
#3: You added a new policy: Elapsed time 41 seconds [00:41]
Insurance policy periods typically last six months or 12 months. But if you add a policy without a down payment, the duration might be shorter. This could make your monthly payment higher.
#4: You changed your due date: Elapsed time 56 seconds [00:56]
If you changed your due date, you might get two charges in one statement. This one-time occurrence happens when the last payment of your current policy and the first payment of your renewal are due at the same time.
#5: You missed a payment: Elapsed time 1 minute 12 seconds [01:12]
If you missed a payment or only made a partial payment, then your next minimum due amount will include the unpaid amount from the month before, plus any fees. You may also receive a cancellation notice. Make sure you pay the amount on the notice by the due date to stop the cancellation.
It’s important to stay current on your policy. You can sign up for alerts or automatic payments to make sure your bills get paid on time.
You can find a lot of important information about your policies on your insurance bill.
Online and Mobile Billing Statement: Elapsed time 1 minute 46 seconds [01:46]
You can review your insurance bill on usaa.com and the USAA Mobile App. It’ll have the most up to date information. You’ll find your due date and minimum amount due. Select “View Breakdown” to review the policies we’re billing and each individual charge. To review how each of your premiums break down, select “View Breakdown” next to “Current Balance.” You can also view your “Billing Schedule” from here.
Paper Billing: Elapsed time 2 minutes 14 seconds [02:14]
If you receive a paper bill in the mail, you’ll find the statement date in the top right-hand corner,
The due date is shown under the summary section. Under that, you’ll find the list of policies you’re paying for. If there are any changes or adjustments, they’ll be displayed in this section.
Finally, you’ll find the minimum amount due in the lower right-hand corner. You’ll need to pay this amount to keep your policy current.
Electronic Statement: Elapsed time 2 minutes 40 seconds [02:40]
You can also choose to receive bills, statements and other documents electronically, anytime. Description of visual information: [Review your insurance bill at usaa.com or on the USAA Mobile App.] End of description.
End: Elapsed time 2 minutes 45 seconds [02:45]
What if I received a nonpayment cancellation, or NPC?
If you got an NPC, it means you’re behind on your auto and property payments. You’ll need to pay the amount on the NPC notice by the due date to stop the cancellation.
You can make payments for the full amount online before the cancellation date. For other options, call us.
Other billing support questions
For most bill pay services, enter only “USAA” when adding the bill and select “USAA Property & Casualty” from the list of options. Our address is 9800 Fredericksburg Road, San Antonio, TX 78288-0001. Make sure it’s entered correctly and includes the last four digits of the ZIP code.
For the account number, enter your USAA number without any leading zeros, dashes, spaces or policy numbers. If your bank requires a nine-digit number, enter as many zeros as needed before your USAA number to bring the total to nine (example: 001234567). You can find your USAA number in your profile.
You can find your payment history by logging on to your account and choosing “Insurance Bill.”
- Use the Payments tab to see your payment history.
- Get more information about a particular payment by selecting “View Details.”
- Choose “Show Breakdown” to see how much money you paid toward each policy.
Your spouse can log on with their USAA number to access and make payments to your auto and property insurance bill. They can also save payment accounts and cards with their name on them.
If you have granted a power of attorney, they can call us to make a payment on your behalf. For security reasons, they may not be able to save payment accounts in their name, and they’ll have to show proof of the power of attorney (Opens in a new window).
We can’t transfer the money from your insurance bill to your credit card. But after the payment posts, you can call us and we’ll refund it. Depending on the form of payment you used, the refund can take 3 to 10 business days.