Aaa Auto Insurance: Understanding Replacement Value Coverage

AAA auto insurance offers replacement value for your car if it is a total loss after a crash. This is an optional coverage that is available for an additional cost. AAA also offers a range of other benefits and discounts, such as small-claim forgiveness, loyalty claim forgiveness, and AAA Accident Assist. However, to get AAA car insurance, you must buy an AAA membership, which costs around $65 to $125 per year. The company has good options for coverage and typically good service, but it is usually expensive.

AAA auto insurance discounts

AAA Auto Insurance offers a range of discounts to its policyholders, which can lead to significant savings on insurance premiums. Here are some of the key AAA auto insurance discounts:

Multi-Policy Discounts

AAA provides discounts for customers who bundle their insurance policies. This includes:

• Companion Home Discount: Up to 12.7% savings on auto insurance when combined with a home policy.
• Companion Auto Discount: Up to 12.5% savings on homeowners insurance when combined with an auto policy, resulting in potential savings of over 24% on both policies.
• Auto + Condo Discount: Up to 11.2% savings on auto insurance and 20% on condo insurance when policies are combined.
• Auto + Renters Discount: Up to 3.7% savings on auto coverage and 10% on renters insurance when policies are bundled.
• Auto, Home, and Life Discount: Save up to 19% on auto insurance and 22% on homeowners insurance when combined with life insurance.

AAA Auto Policy Discounts

• Multi-Vehicle Discount: Up to 15.7% savings when insuring more than one car on the same policy.
• Science and Engineering Professionals: Up to 5.6% savings for professionals in science and engineering fields with one year of continuous coverage and the AAA Loyalty Discount.
• Good Driver Discount: Up to 20% savings for drivers with clean driving records, avoiding tickets, accidents, and violations.
• Verified Mileage Discount: Up to 9.1% savings for drivers who provide their vehicle's odometer reading when requested, depending on annual mileage.
• Student Away Discount: 46.7% savings on select coverages when a driver-eligible student is more than 100 miles away from school without a vehicle.
• Good Student Discount: Up to 10% savings for high school or full-time college students with a GPA of 3.0 or higher.
• Teen Smart (New Driver) Discount: Up to 24% savings for young drivers aged 16 to 26 who complete an online safety class.
• Driver Training Discount: 10% savings for drivers who complete an approved driver training class.
• Car Club Discount: 5% savings for members of qualifying car clubs.

Other Discounts

In addition to the above, AAA offers various other ways to save on car insurance:

• Safe Driving: Maintaining a clean driving record with zero accidents or violations is the best way to secure discounts and lower premiums.
• Insure Multiple Vehicles: Adding all vehicles to the same AAA policy can result in significant savings with the Multi-Vehicle Discount.
• Bundle Home and Auto: Combining car insurance with home, condo, or renters insurance can lead to savings of up to 12.7% on car insurance.
• Increase Deductible: Raising the deductible amount can lower monthly premium payments.
• Update Policy: Regularly reviewing and updating your policy to reflect life changes, such as marriage, having a baby, or moving, can result in additional savings.
• Maintain Good Credit: A solid credit rating can lead to lower car insurance premiums, as insurers associate higher credit scores with reliability and financial responsibility.

AAA auto insurance coverage

• Bodily injury and property damage liability
• Uninsured/underinsured motorist coverage
• Medical payments or personal injury protection
• Comprehensive and collision coverage
• Rideshare insurance
• Gap insurance
• OEM exterior repair coverage
• New car replacement
• Better car replacement

AAA also offers various discounts to its customers. These include discounts for bundling policies, being a student, having a clean driving record, and being a AAA member. The amount and type of discounts available vary by location and specific AAA company.

In terms of customer service, AAA's ratings depend on the region. While some AAA companies have received fewer complaints than expected, others have received a higher number of complaints. Overall, AAA auto insurance is generally considered good, but it tends to be more expensive than other insurance providers.

AAA auto insurance pros and cons

AAA auto insurance is generally only available to members, but there are a variety of pros and cons to consider.

Pros

• AAA auto insurance offers a discount for being a AAA member.
• AAA offers multiple insurance products, including home, renters, and life insurance.
• AAA auto insurance offers a discount for bundling home and auto insurance.
• AAA auto insurance offers a discount for insuring more than one vehicle.
• AAA auto insurance offers a discount for full-time students or graduates up to age 25 with a GPA of 3.0 or higher.
• AAA auto insurance offers a discount for safe drivers.
• AAA auto insurance offers a discount for students with good grades.
• AAA auto insurance offers a discount for paying your premium in full.
• AAA auto insurance offers a discount for paying electronically and setting up automatic payments.
• AAA auto insurance offers a discount for military members.
• AAA auto insurance offers a discount for AAA employees or members.
• AAA auto insurance has a high customer satisfaction rate.
• AAA auto insurance offers a free review of your current auto policy to help you understand your insurance coverage and potential savings.
• AAA auto insurance offers 24/7 roadside assistance and claims service.
• AAA auto insurance has earned an A (Excellent) rating from A.M. Best for financial strength and stability.

Cons

• AAA auto insurance may require AAA membership, which comes with a fee.
• AAA auto insurance products and discounts differ depending on where you live.
• You may have to change AAA insurance providers if you move to a different state.
• AAA auto insurance has received some negative reviews regarding customer service and delays in processing claims.
• AAA auto insurance rates may increase over time.

AAA auto insurance customer service reviews

AAA auto insurance is generally only available to members, but the perks and discounts might make joining worth it. AAA insurance is usually expensive, but it might be worth it for personalized coverage. The company is made up of individual clubs across the country, so the coverage options vary depending on where you live. However, AAA usually has several helpful add-ons available for auto and home insurance.

Positive Reviews

> "Their customer service is top-notch. I 'bundle' my auto and home insurance, and no matter what the claim is, someone is always available to help. I've been a customer for years."

> "AAA is awesome. The process of filing a claim is easy and the representative was very helpful. It was settled quickly and I was able to buy a new car within a few weeks."

> "I've had AAA for more than two years. Never had an accident or ticket, and I always pay them early."

> "AAA provides automobile insurance to its members through 50+ regional branches nationwide. The company offers multiple coverage types, but its auto insurance is available only to paid AAA members. All AAA memberships come with several perks and discount opportunities, but coverage options differ by location."

> "AAA auto insurance has earned a 94% satisfaction rate* from customers. We must be doing something right!"

Negative Reviews

> "I’ve had AAA for more than two years. Never had an accident or ticket, and I always pay them early. I just found out that they raised my car insurance over $1000 a year for “excess mileage”. After being a faithful member to them they rip me off, betray me, and punish me for commuting too far to work. I’ll be finding another insurance now. I am so disappointed and upset. Unless you have money to blow I recommend staying away from AAA."

> "I have been insured with AAA Auto Club for 7 years. In the past, they were very professional, helpful and reliable. I was expecting an increase in my property insurance due to recent hurricane activity. What I did not expect was an 85% increase in my automobile insurance. I have a 6-year-old car, no accidents, no tickets, and drive less that 7500 miles per year. AAA took the opportunity to line their coffers with an enormous increase, far more than any other quote I received. They want $2900 approximately while other carriers are less that $2000! I'm stuck with them for now because they require me to "bundle" homeowners and auto. Not for much longer. And their customer service representatives are useless - know nothing about insurance. Stay away!"

> "AAA Insurance is the absolute worst. I have auto and home and am actively looking for a new provider. Since last August I tried to cancel my renters policy and they couldn't change the address in time for me to move into my new home, so I cancelled it and went with a new carrier. THEY NEVER CANCELLED the policy! As for auto, forget it. If you have an accident, where you're hit by an uninsured motorist, they will do nothing! You will be on your own. They will not try to get your money, they will not help with the deductible nothing. Then because they had to pay out, they will raise your rate so exponentially it's double to triple what your original rate was."

> "I wish there was an option of ZERO stars. The worst Insurance company to have for your Auto insurance. 1- They increase your renewal premiums by more than 40% as soon as you file a claim. 2- The renewal premium goes up even if you are a passenger in a friend's vehicle and your friend has an accident, For the love of God I couldn't figure out why and how can your insurance go up if it is NOT your fault or it's not your vehicle. Just unbelievable. 3- They add additional charges to your premium even after you pay your renewal in full every term. I have called AAA 20 times to understand why they are adding new charges to my premium even after I made my full payment. No satisfactory response even after 20 calls and then suddenly they send you a cancellation of insurance bill. Please find another Auto insurance for peace of mind and fair prices."

> "I took auto insurance from AAA Carolinas in early 2023 and on 2nd renewal I decided not to continue. Reason; the worst customer service, not responding to inquiries. I will not recommend AAA Carolinas insurance to my friends and family. I am AAA member from last 25 years with no complaints of roadside assistance."

AAA auto insurance quotes

AAA auto insurance is generally only available to members, but it offers a wide range of benefits and discounts that may make joining worth it. AAA auto insurance comes from separate, regional insurance companies that operate under similar names and logos. AAA club membership works in the same way, and you may need to become a member of your regional club to get auto insurance. This comes with a fee, but the resulting discount on your auto insurance may make it worth your while.

AAA auto insurance coverage options depend on where you live, as the company is made up of individual clubs across the country. However, all insurers are required to offer state-mandated coverage where they operate. Most, including the three AAA affiliates reviewed by NerdWallet, also offer uninsured motorist protection, medical payments coverage, comprehensive coverage, and collision coverage.

AAA also offers several add-ons, such as:

• Gap insurance, which covers the difference between your car's value and the balance of your loan or lease if your car is stolen or totaled.
• OEM exterior repair coverage, which pays for original manufacturer parts instead of aftermarket parts for covered external body repairs.
• New car replacement, which covers the value of a new vehicle of the same make and model if your car is declared a total loss.
• Better car replacement, which covers a car one to two years newer than your vehicle if it is totaled in a crash.
• Rideshare insurance, which ensures you are covered during your rideshare job, even when insurance from ridesharing companies does not apply.

AAA offers a variety of discounts for auto insurance, including:

• Up to a 20% discount for drivers with clean driving records.
• Up to a 15.7% discount when you insure more than one vehicle.
• Up to a 7% discount for full-time students or graduates up to age 25 with a GPA of 3.0 or higher.
• Up to a 5% discount for having an active AAA membership.
• Up to a 19.1% discount if you agree to give AAA your odometer readings occasionally.
• Up to a 7.4% discount for professionals like lawyers, CPAs, and medical workers, as well as alumni association members.
• Up to a 4.7% discount if you take an approved driving course.

The specific discounts and coverage options will vary depending on your location and which AAA company is in your area.

Full coverage from AAA costs an average of $320 per month, while minimum coverage costs $127 per month on average. You can usually find cheaper policies from other companies, especially considering the additional membership fee for AAA. However, in certain states like California and Michigan, AAA can be a more affordable option for auto insurance, especially if you have a speeding ticket or accident on your record.

AAA has earned an A (Excellent) rating from A.M. Best for financial strength and stability. Its auto insurance has a 94% satisfaction rate from customers.

Frequently asked questions