AAA Auto Insurance Review

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AAA Auto Insurance is a subsidiary of the American Automobile Association (AAA), a non-profit organization that has been serving motorists since 1902. AAA Auto Insurance offers a range of auto insurance products and services to its members across the United States. Over the years, AAA has become a trusted name in the automobile industry, known for providing high-quality services and products.

Auto insurance is an essential aspect of car ownership. It provides financial protection against the costs of damage or injury resulting from an accident. With the increasing number of vehicles on the roads, the importance of having adequate auto insurance coverage cannot be overstated. In fact, in many states, it is mandatory to have auto insurance to legally operate a motor vehicle.

AAA Auto Insurance offers a range of auto insurance products and services to its members, including liability coverage, collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage. In addition, AAA offers its members several benefits and discounts, such as roadside assistance, travel discounts, and more.

Overall, AAA Auto Insurance is a reliable and trusted provider of auto insurance, and for these reasons, it is an excellent choice for anyone looking for auto insurance coverage.

About AAA Car Insurance

AAA sells auto insurance nationwide. There is a federation of 32 motor clubs and more than 1,000 branch offices in North America.

Founded in 1902, AAA or “Triple A” is a not-for-profit membership organization that provides automotive, travel and insurance services to millions of members across the United States and Canada. AAA car insurance is available to both AAA members and non-members, depending on your state.

AAA has extra benefits that can be helpful in case of an emergency. For example, AAA members can get discounts on hotel stays, rental cars and other travel expenses. They also have access to a 24-hour roadside assistance service. This can be a lifesaver if you have a flat tire or need help jump-starting your car.

AAA car insurance regional clubs

Because AAA is a federation of regional clubs, exact car insurance options vary based on location. To learn more about what’s available in your area, go to AAA’s website and enter your ZIP code. This will route you to the homepage for your regional AAA.
Here’s a look at the three main groups that offer AAA car insurance and the states where they are available.

Auto Club Enterprises

Regional clubs that fall under Auto Club Enterprises include:

  • Automobile Club Interinsurance Exchange (Illinois)
  • Automobile Club Interinsurance Exchange (Louisiana)
  • Automobile Club Interinsurance Exchange (Missouri)
  • Auto Club Country Mutual Insurance (Texas)
  • Automobile Club of Southern California (this includes Interinsurance Exchange)

AAA car insurance from Auto Club Enterprises is available in the following states:

  • Alabama
  • Arkansas
  • California
  • Hawaii
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Mississippi
  • Missouri
  • New Hampshire
  • New Mexico
  • Ohio
  • Pennsylvania
  • Texas
  • Virginia
  • Vermont
  • West Virginia

CSAA Insurance Group

Regional clubs that fall under CSAA Insurance Group include:

  • Automobile Club Inter-Insurance (Arizona)
  • AAA Ohio

AAA car insurance from CSAA Insurance Group is available in the District of Columbia and the following states:

  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Idaho
  • Indiana
  • Kansas
  • Kentucky
  • Maryland
  • Montana
  • New Jersey
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • South Dakota
  • Utah
  • Virginia
  • West Virginia
  • Wyoming

The Auto Club Group

Regional clubs that fall under The Auto Club Group includes:

  • AAA Michigan Insurance
  • Auto Club Group Insurance Co. (Nebraska)
  • Auto Club Group Insurance Co. (Wisconsin)
  • Auto Club Insurance Association (Illinois)
  • Auto Club Property-Casualty (West Virginia)
  • Meemic Insurance Co. (Michigan)
  • MemberSelect Insurance Co. (Minnesota)

AAA car insurance from The Auto Club Group is available in the District of Columbia and the following states:

  • Florida
  • Georgia
  • Iowa
  • Illinois
  • Michigan
  • Minnesota
  • North Carolina
  • North Dakota
  • Nebraska
  • South Carolina
  • Tennessee
  • Wisconsin

Coverage Options

When it comes to choosing car insurance, AAA Auto Insurance offers a variety of coverage options to fit the needs of drivers. These coverage options include liability coverage, collision coverage, comprehensive coverage, and more.

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Liability coverage is required in most states and helps protect you financially in the event that you are at fault in an accident. This coverage pays for damages and injuries to the other party involved. AAA offers various limits for liability coverage, so you can choose the one that best fits your needs.

Collision coverage is an optional coverage that pays for damages to your vehicle if you are in an accident, regardless of fault. This coverage helps cover the cost of repairs or replacement of your vehicle. Comprehensive coverage is also an optional coverage that covers damages to your vehicle that are not caused by a collision, such as theft, vandalism, or natural disasters.

In addition to these coverage options, AAA also offers other coverage options, such as personal injury protection, uninsured motorist coverage, and rental car reimbursement.

When comparing AAA’s coverage options to other insurance providers, it’s important to consider the cost of the coverage as well as the coverage limits and deductibles. AAA is known for its excellent customer service and roadside assistance, which can be valuable in the event of an accident or other emergency. It’s always a good idea to compare coverage options from multiple providers to ensure you’re getting the best coverage for your needs and budget.

Discounts and Benefits

AAA Auto Insurance provides a variety of discounts to its customers that can help them save money on their auto insurance premiums. These discounts include safe driver discounts, multi-policy discounts, and loyalty discounts.

The safe driver discount is offered to drivers who maintain a good driving record for a certain period of time. This discount encourages safe driving habits and rewards drivers for being responsible on the road.

AAA also offers multi-policy discounts to customers who bundle their auto insurance policy with other types of insurance, such as home or life insurance. This can result in significant savings for customers who need multiple types of insurance.

Furthermore, AAA offers loyalty discounts to customers who have been with the company for a certain period of time. This discount rewards customers for their loyalty and encourages them to continue using AAA for their insurance needs.

In addition to these discounts, AAA also offers benefits to its members that can affect auto insurance premiums. AAA members can receive free roadside assistance, travel discounts, and other perks that can make their membership worthwhile. These benefits can translate into savings on auto insurance premiums for AAA members.

It’s important to note that these discounts and benefits may differ from other insurance providers. It’s always a good idea to compare the discounts and benefits offered by different insurance providers to find the best deal for your needs.

Customer Experience

AAA Auto Insurance prides itself on providing excellent customer service to its policyholders. One of the ways it achieves this is by making customer service available 24/7 through a variety of channels, including phone, email, and online chat. This ensures that customers can always get the help they need, regardless of the time of day or night.

In addition to its customer service availability, AAA Auto Insurance also offers a variety of online tools and resources to make managing policies and claims as easy as possible. Customers can log into their accounts to view policy information, make payments, and file claims. The company’s website also provides helpful resources such as educational articles, FAQs, and a glossary of insurance terms to help customers better understand their policies and coverage options.

Finally, AAA Auto Insurance has a mobile app that offers a range of convenient features to policyholders. Through the app, customers can access their policies, make payments, file claims, and even request roadside assistance. The app also provides real-time updates on the status of claims and roadside assistance requests, so customers can stay informed throughout the process.

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Overall, AAA Auto Insurance is committed to providing a seamless and positive customer experience through its various channels of communication, online tools and resources, and mobile app functionality.

Claims Process

Filing a claim with AAA Auto Insurance is a straightforward process. Customers can file a claim by phone, online, or through the AAA mobile app. When filing a claim, customers will need to provide details about the accident or incident that occurred, including the date and time, location, and the parties involved.

Once a claim has been filed, AAA Auto Insurance will begin processing it. The timeframe for processing and resolving claims can vary depending on the complexity of the case. Simple claims, such as minor fender benders, can often be resolved within a few days. However, more complicated claims, such as those involving injuries or disputes over fault, may take several weeks or longer to resolve.

AAA Auto Insurance is committed to providing excellent customer service, and the company’s claims handling is no exception. In fact, AAA has consistently received high customer satisfaction ratings for its claims handling. According to J.D. Power’s 2021 U.S. Auto Claims Satisfaction Study, AAA ranked above average in overall satisfaction with a score of 872 out of 1,000. AAA also received high marks for its claims processing and settlement, as well as for its communication with customers throughout the claims process.

Overall, AAA Auto Insurance’s claims process is designed to be efficient, transparent, and customer-focused. If you need to file a claim, the company’s knowledgeable claims representatives will guide you through the process and work diligently to resolve your claim as quickly and fairly as possible.

AAA Car Insurance Costs vs. Competitors

Below is a look at Auto Club of Southern California’s costs in California compared to its top competitors. Your AAA car insurance prices will vary depending on the regional club where you live.

AAA car insurance cost comparison for good drivers

If you have a clean driving record—meaning you’ve avoided at-fault accidents and traffic violations—you can probably find cheaper auto insurance than AAA in California.

CompanyAverage cost per year in California
Geico$1,721
Progressive$2,118
Auto Club of Southern California$2,350
Allstate$2,369
State Farm$2,728

AAA car insurance cost comparison for drivers with a speeding ticket in California

If you get nabbed for speeding, you’re likely to see an increase in your car insurance costs at policy renewal time. Auto Club of Southern California has competitive prices compared to other car insurance companies in the state.

CompanyAverage cost per year in California
Geico$2,537
Auto Club of Southern California$3,055
Progressive$3,283
Allstate$3,447
State Farm$3,978

AAA car insurance cost comparison for drivers who caused an accident with injury

If you cause an accident that results in injuries to someone else, you can expect a big jump in your car insurance costs. That’s why it’s so important to shop around to find the best rates. Auto Club of Southern California compares well to its top competitors.

CompanyAverage cost per year in California
Progressive$3,471
Auto Club of Southern California$3,770
Geico$3,933
Allstate$5,577
State Farm$5,193

AAA car insurance cost comparison for drivers with a DUI

A DUI can double (or even triple) your car insurance costs. Auto Club of Southern California can be very expensive for drivers with a DUI compared to top insurers, based on our analysis of rates in California.

CompanyAverage cost per year in California
Geico$4,040
Progressive$4,220
Auto Club of Southern California$7,030
Allstate$7,831
State Farm$8,304

Complaints About AAA Auto Insurance

Here’s a look at three AAA auto insurance companies and how they stack up to competitors’ complaint levels. MemberSelect Insurance Co., Interinsurance Exchange and CSAA Insurance Exchange all have a lower-than-average complaint levels compared to many other car insurance companies, based on complaints made to state insurance departments across the country.

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Pricing and Value

When it comes to auto insurance, pricing is a crucial factor for most consumers. AAA Auto Insurance offers competitive rates compared to other insurance providers in the market. However, the actual cost of your premium will depend on various factors, including your driving record, age, gender, location, vehicle make and model, and coverage options.

Several factors can affect auto insurance premiums, such as the level of coverage you choose, your deductible, and the number of claims you have made in the past. Generally, if you opt for a higher level of coverage, you will pay a higher premium, and if you have a lower deductible, you will pay a higher premium. Additionally, if you have a history of making claims or have a poor driving record, your premium will be higher.

Despite these factors, AAA Auto Insurance is known for providing exceptional value to its customers. With AAA, you can enjoy a wide range of benefits, such as roadside assistance, travel services, and discounts on hotels and rental cars. These perks can make AAA’s auto insurance coverage a more attractive option than other providers who may only offer basic coverage.

In conclusion, AAA Auto Insurance offers competitive pricing and provides excellent value to its customers. By considering the various factors that impact your premium and taking advantage of AAA’s benefits, you can ensure that you get the most out of your auto insurance coverage.

FAQs

Is AAA car insurance affordable?

AAA car insurance premiums vary by region. In some regions, AAA premiums are affordable. Premiums in other markets such as Florida are more expensive than its competitors. Coverage options also vary based on the market. AAA earned top marks from customers in the Southwest region, coming in at No. 1 on the J.D. Power U.S. Auto Insurance Study, which takes into account price. Drivers will be able to get the best AAA auto insurance rates if they’re paying subscribers of AAA services.

Do I need to be a AAA member to buy their auto insurance?

Yes, in order to purchase AAA’s auto insurance, drivers will need to be a AAA member. Drivers will need to continue their membership in order to renew their auto insurance.

What rating does AAA car insurance have?

AAA auto insurance is provided by different automobile clubs across the country. As a result, there are variations in customer service quality and standards. AAA Insurance in Tulsa, OK for example, received an A+ rating from the Better Business Bureau. Meanwhile, AAA in Lewisville, TX received a C- BBB rating. When it comes to financial stability ratings, A.M. Best has upgraded the Financial Strength Rating (FSR) to A (Excellent) from A- (Excellent). Drivers considering AAA should research the ratings from their local providers.

Is AAA roadside assistance the same as Insurance?

No, but any driver can purchase roadside assistance with AAA without switching their insurance coverage to AAA. AAA’s roadside coverage is offered separately from AAA auto insurance policies. AAA offers three basic types of membership, ranging in price from $59 to $119 per year. Benefits vary based on the type of membership, but they all include emergency roadside assistance.

Conclusion

In conclusion, AAA Auto Insurance offers a range of benefits and features that make it a popular choice for drivers. Here is a recap of the key points:

  • AAA Auto Insurance offers a variety of coverage options, including liability, collision, and comprehensive coverage.
  • Policyholders can take advantage of several discounts, such as multi-policy discounts, safe driver discounts, and good student discounts.
  • AAA members can also access additional benefits, such as roadside assistance, travel discounts, and exclusive deals on car rentals.

Overall, AAA Auto Insurance provides comprehensive coverage and excellent customer service. With its range of benefits, it can be a great choice for drivers looking for reliable and affordable car insurance.

In conclusion, we highly recommend choosing AAA Auto Insurance for your car insurance needs. With its competitive rates, extensive coverage options, and numerous discounts, it provides an excellent value for drivers. Plus, with its additional benefits and perks, being a AAA member can provide even more savings and convenience.