This is counter to what was told to me when I called them. They said it would not affect my rates and that has been my experience with three Tows and one Jump Start over a 20 year period. Just sayin.
There is a data base somewhere that gives all insurance companies access to all your claims. I think I got access from Clark but can’t remember. Anyway I looked myself up and sure enough every claim including roadside was on there even when I just had AAA for roadside.
Insurance rates have just gone nuts. I dropped Earth Quake ($80k deductible,$1k/yr premium) and Flood in Ca. and raised all my auto deductibles to $1k , that has helped some with the rates. My Umbrella has gone up 30%. I do everything I can to avoid a Claim, haven’t had one ,with the exception of Roadside , in 50 years. Just figuring I’m more “Self Insured “ now.
My experience with USAA has been great , but that’s probably because I haven’t had much “experience” with them and I don’t want to.