I have thankfully never had to use self-defense insurance like CCW Safe or USCCA before, so, it's kind of hard for me to say “which is better, USCCA vs CCW Safe?” in any kind of authoritative manner.
What I can try to do, however, is to answer this question:
Which self-defense insurance company is best based on facts found on each prospective website, our own chart, and other, lesser known information?
Before we get to reviewing the lesser known stuff, let's get the chart out of the way so you can visually compare the benefits that each company offers to their members.
CCW Safe and USCCA Side-by-Side Comparison —
|Cost||$519 p/yr||$499 p/yr|
|Bail Bond Premium Coverage||$100,000||$100,000|
|Choose Your Attorney||You Choose - They Approve||You Choose|
|Criminal Defense Attorney Fees||Covered / No Limit||Covered / No Limit|
|Civil Damages||Up to $1,000,000||Up to $2,000,000|
|Any Legal Weapon||Yes||Yes|
|Ongoing Training & Content||Online Content, Newsletter||Protector Academy|
|Available Nationwide?||Not available in NY, NJ, & WA||Not available in NY, NJ, & WA|
|24/7 Emergency Hotline||Yes||Yes|
|Post-Incident Firearm Confiscation||Replacement Program||Covered under $10,000 "incidental expense allowance"|
|Compensation While in Court||$350 / Day||$750 / Day|
|Psychological Support||40 Sessions up to $150 per hour||None|
|Red Flag Law Coverage||Yes||Members might be eligible for coverage by "Legal Defense Foundation"|
As you can see from the above chart, the two companies are very comparable, with many of the core benefits and the pricing structure. There are a few points, however, where they diverge.
Reviewing USCCA and CCW Safe Concealed Carry Insurance Products—
First difference between USCCA and CCW Safe —
First, CCW Safe offers you $100,000 in bail coverage under the shown plan, while USCCA offers $50,000.
Second, we see USCCA offers $750/day compensation while in court with CCW Safe giving $350/day. Will you ever need the daily compensation with either benefit?
My suggestion is to figure out what is important to you, more bail coverage, or daily compensation. My opinion is that I want more bail coverage, because I don't want to fight my legal battle from behind bars. But you may feel differently, and that is fine.
It is my hope, however, that if by reading this to the bottom, you'll be able to decide for yourself: CCW Safe VS USCCA—which brings me to my next point in a roundabout sort of way.
What about the other CCW Insurance companies —
I don't want to go any further without saying that USCCA and CCW Safe aren't the only companies who offer coverage should you need legal protection after you defend yourself. We have put together the industry standard chart comparing the major companies offering a form of Concealed Carry Insurance product.
If you are seriously considering self-defense legal protection, as you should, use our chart to compare the programs before making the choice.
Now let's look at each company and find out some things that don't appear on a chart.
Reviewing CCW Safe:
Experience Matters —
Police Officers started CCW Safe. In fact, co-founder and CEO Mike Darter patterned the concept for CCW Safe on his experience as an officer involved in an on-duty shooting, resulting in a lawsuit.
The court eventually threw out the lawsuit, but that experience led to the creation of CCW Safe.
Once Mike Darter retired from the police department, he understood that police officers have a certain amount of protection that civilians don't. He wanted to provide a similar team of experienced legal defense to civilians involved in self-defense incidents he had as a Police Officer. The men involved in CCW Safe are all former police officers who have experienced the reality of an officer involved shooting. As well as a top-notch legal defense, that includes none other than CCW Safe.
To date, they're the only “CCW Insurance” or, more accurately, self-defense legal protection program who can say they helped someone get acquitted through a murder case.
That person, Steve Maddox, shared his story and the various ways that CCW Safe came to his aid in an interview we recently did with him. Click here to read, or listen below, but I can tell you CCW Safe was boots on the ground within 12 hours, renegotiated his severance when he had to leave his employer, hired private investigators & expert witnesses, and did other things that frankly will SHOCK you if you look into it.
It is this kind of experience that I'm looking for in a company defending me, because I trust experience above other factors.
Compassionate people —
Besides their experience, you get compassionate people that care about the job they do.
While we can't speak to the specifics, someone we know who had to use CCW Safe to defend against a lawsuit said once he made the call to the company, they answered, and had people on the ground not long after that first phone call.
We're told by that person, the CCW Safe Critical Response Team is unparalleled in that regard.
This person was also a member of two other legal programs, and he called the companies on a major holiday. CCW Safe is the ONLY company who answered the phone!
Well, that's not entirely true. Another company answered the phone. However, they told him they would call back the next day because of the holiday. Uggg, Imagine that the company you pay to help you, says, “call back tomorrow, we're not available.”
After you've been involved in a critical incident and you're paying hundreds of dollars per year for a service, you expect that company to fulfill what they said they'd do—drop what they're doing and help you.
That's what CCW Safe apparently did for that person, while the others, who will remain unnamed for now, were of zero help at all!
We've talked to several other people who used CCW Safe, and the level of service blew them away. They said the team went to extreme lengths, ensuring they took care of everything.
CCW Safe gives extreme effort to put people on the ground to begin helping the client. In summary, this is all stuff you can’t put into a chart.
USCCA is no slouch, either. Most people don’t think about the fact that USCCA is more than just “concealed carry insurance.” Yes, they will cover you and have covered others in a true self-defense incident, but they do more than that.
They offer a more tangible product than the other companies do, in the form of their magazine and training content.
While that may not be a big deal to some, think about it from my perspective for just a moment, if you will—
If you sign up for some sort of legal coverage for self-defense with any other company, you could pay thousands of dollars over the course of your life and never need to use it.
I mean, that's the hope, right? Personally, I'd rather not use my gun in self-defense, but that chance is always there and I am willing and quite able to do so if needed.
You'd pay thousands of dollars and get nothing in return for it. Peace of mind is great. But I'm talking about a tangible good here.
Not so with USCCA.
With USCCA, you also get their magazine, something you won't get with anyone else. Some might scoff at this and others may not even read it. However, the magazine is something tangible that members get.
The magazines have relevant, well-presented information, and it helps offset the price by providing a physical good eight times per year.
Another benefit of the magazine is a roundabout sort of thing—
I've heard some stories of people forgetting that they had coverage after their use of a gun in self-defense. If you're getting a magazine a few times per year, it also serves as a reminder that you can call up USCCA if you need them.
USCCA also has great customer support and their training is excellent.
In summary, one thing I appreciate about USCCA is the magazine and other content-related benefits from a company that does extensive training.
So, who is better, USCCA or CCW Safe?
No review or head-to-head comparison would be complete if we didn't pick one over the other.
I can say, is that both companies offer competing products with some differences, and it's those differences that may be important to your specific needs. For full disclosure, our company has a partnership with the guys at CCW Safe. We think the total package is the best out there. However, we know you may find another company's product more useful for your needs.
If you're considering CCW Safe, I think it's important to mention that our Guardian Nation members get a 20% discount on their CCW Safe membership. This is a massive benefit that we can offer because of our affiliation. You can learn more about that Guardian Nation offers by clicking here.
Remember, you can compare all the different companies' policies by checking out our chart.
You have auto insurance in case you're ever in a car accident. You have homeowner's insurance in case a tree falls on your house or some other unforeseen disaster occurs.
Doesn't it make sense to protect yourself legally after you've protected yourself physically? Drawing your gun may be the simple part. The hard part might be trying to stay out of jail in an increasingly anti-gun world.
The cost of doing so, the cost of remaining a free American in this world, is astronomical. A recent story I heard cost $300,000 to keep the legal gun owner out of jail. I, personally, don't have that kind of cash sitting around.
Offsetting the cost with a monthly self-defense legal coverage plan like USCCA or CCW Safe just makes sense.
Odds are, you'll leave the house and not get into a car accident. A tree will probably never fall on your house. And yes, the chances are high, you will never use your gun in self-defense. But …
… what if?
The full chart has a lot more information on it, comparing many other companies in this self-protection legal coverage space. You can view it, here.