Car Insurance

AAA Car Insurance Review

By Peter Mondrose Peter Mondrose is the Head of Insurance Content at Bankovia. He received his degree in Economics in 1998 and a second degree in Journalism in 2004 from the University of Chicago. Most recently he served as Head of Content at QuoteYeti.com, and editor at BusinessPundit.com 6 minute read

This AAA Car Insurance Review may assist you in making an educated decision about.

Pros and Cons of AAA Insurance

AAA Car Insurance Review - AAA Car Insurance Logo

Pros

  • AAA provides a range of insurance products, including coverage for your house, automobile, life, and pets.
  • The benefits of joining AAA clearly exceed the drawbacks.
  • Drivers under the age of 35 have a high level of trust in the organization.
    a diverse selection of cuts

Cons

  • If you’re looking for more in-depth or specialized stuff, click there.

AAA Auto Insurance Reviews

AAA auto insurance is only accessible to members of the AAA club. Each of the company’s automobile insurance policies must adhere to all applicable federal and state rules (liability, collision, comprehensive coverage, etc.). AAA offers a variety of cutting-edge coverage options for drivers, as well as some basic rates.

  • Claims satisfaction. AAA had a lower-than-average rating in the J.D. Power 2020 claims satisfaction report, which polled consumers about their claims filing experiences.
  • Satisfied customers. J.D. Power evaluated AAA’s customer service as “middle of the pack” out of 202 consumers.
  • Financial fortitude. AAA maintains a sound financial position as a consequence of AM Best’s A+ credit rating.
  • Satisfaction of claims (NAIC) — The NAIC received a larger number of complaints against AAA members than the national average.

Where is AAA auto insurance available?

AAA automotive insurance is available in all fifty states and the District of Columbia.

AAA car insurance coverage options

AAA’s vehicle insurance policy includes comprehensive, collision, and uninsured/underinsured motorist coverage. Additionally, liability coverage is covered (including death and bodily injury). Along with several other benefits, AAA members have the option of adding extra endorsements to their insurance policy. The following AAA options may be of interest to you, but keep in mind that not all are available in every state.

  • Accident forgiveness. This insurance is not always necessary in your location. As long as you are a AAA member, your insurance premiums will not increase immediately upon the occurrence of your first accident.
  • Extended coverage for automobile rental expenses. If the repair work is not done, many insurance providers will only cover the rental for the duration of the contract. While your automobile is being repaired, AAA will pay the cost of a rental vehicle.
  • Pet insurance. If your pet is injured in an automobile accident, AAA can assist you in covering up to $500 in veterinarian charges.
  • Policy period of 12 months. This option guarantees you rate stability for a period of one year.
  • AAA will replace your destroyed car with a brand new one for the first year following an accident. Insurance for new cars is an intriguing subject to study.
  • Loan/lease payback is limited. If your vehicle is totaled in an accident covered by your insurance, AAA will repay you for the remainder of your loan or lease payment. Additionally, this is referred to as gap insurance. If the claim check you get is less than the car’s value after depreciation, you must purchase a new vehicle.

AAA roadside assistance

AAA’s specialties include roadside assistance. You can purchase it as an add-on to your existing policy or as a stand-alone supplement to your present coverage. Tiers under AAA’s roadside assistance program offer varying degrees of benefits.

Compile a list of similarities and distinctions between AAA and other service providers in your area.

Membership benefits

AAA is head and miles above the competition when it comes to non-driving membership advantages. Roadside assistance providers such as AAA are integrated into the system.

AAA car insurance discounts

AAA members are entitled to a variety of advantages. This list contains some of the most effective money-saving strategies.

  • Multi-policy discount. You may save up to 22% on auto insurance if you also have renters, homeowners, condo, or life insurance.
  • Multi-vehicle. When you combine your auto insurance with AAA, you might save up to 26% on your premium.
  • Purchase in advance. If you pay your membership and premiums in full at least seven days before the end of the insurance period, you will save 5%.
  • Longevity. If you stay with your current insurer for three years, moving to AAA may result in a premium savings of up to 12%.
  • Paid in full. The insurance discount is available if the premium is paid in full prior to the commencement of the insurance term.
  • Original owner. New car owners save 5% on insurance.
  • Excellent student. Certain insurance policies allow you to save 15% if your grades are sufficient.
  • AAA may reduce your premiums by up to 3% if you complete a state-approved driver education course.

AAA Auto Insurance vs. Competitors

Rates by Company : Average Monthly Premium

  • AAA. $151
  • Geico. $100
  • AllState. $169
  • Nationwide. $119
  • National Average. $129

Where is AAA auto insurance cheapest?

AAA offers some of the most economical vehicle insurance rates in these five states.

Monthly Premium

  • California. $145 
  • Michigan. $183 
  • Indiana. $85
  • Minnesota. $90
  • Utah. $92 

AAA insurance bundling options

AAA members have access to a diverse selection of insurance products. By acquiring several coverages from the same provider, you may be able to save money and have your insurance premiums decreased. Certain forms of coverage may need a membership. This must be borne in mind. You may compare AAA insurance options on this page.

Can I cancel AAA insurance in the middle of my policy term? 

Yes. You are entirely in charge of whether or not to renew your AAA membership. Members of AAA insurance have the option of canceling their coverage at any moment throughout the policy’s duration. To prevent a coverage gap, hold off on canceling your insurance until you’ve purchased a replacement policy. Before you terminate your AAA membership entirely, make sure to shop around for replacement coverage and compare costs. If you follow our advice, you may see a decrease in your insurance premiums and avoid being hit with increased DMV fines.

How to cancel AAA insurance

Additionally, you may cancel your coverage by contacting 1-877-387-8378 or visiting a AAA office in your area. Customers who have already paid premiums may be informed if they must pay early cancellation penalties or are entitled to a refund. Prior to canceling your current insurance, ensure that you have a replacement in place.

If you follow these steps, canceling your AAA membership will be a snap.

  1. Additionally, you should provide your policy number and any other essential customer information.
  2. As soon as possible, terminate your contract and any recurring payments.
  3. Follow-up inquiries should be answered candidly.
  4. Require the delivery of an email confirmation message.

AAA insurance online features 

AAA insurance has established a variety of online services to better serve today’s clients. AAA offers an easy-to-navigate website where users can estimate their premiums, submit claims, and pay them. To locate a AAA club near you, enter your ZIP code in the search box above.

Additionally, AAA offers mobile apps. Here are a few of the most significant ones:

Auto Club

Customers may use the Auto Club app to view data about their insurance policies, obtain insurance quotations, and pay their bills online (both for membership and insurance premiums). Additionally, this app is necessary for usage with AAA’s telematics program. Additionally, the program gives other information, such as:

  • Hotel and flight booking
  • Trip planner
  • Traffic conditions
  • Battery replacement quotes
  • Approved auto repair facilities
  • Cheapest gas prices in your area
  • Locations of member branch offices

AAA Mobile

The primary market for this application is AAA members. AAA members receive a discount on vehicle insurance packages that include a separate roadside assistance service. If you’re interested in more AAA Mobile app features, they’re listed below.

  • Maps
  • Discount information (hotels, restaurants and more)
  • Hotel and rental car booking
  • AAA approved repair facilities
  • Battery replacement quotes
  • A scannable, digital membership card that can be added to Passbook
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