The Battle Of The Insurance Giants: Aarp Vs. Aaa—Who Offers The Best Auto Insurance Deal?

AARP and AAA are two different companies that offer similar services, including auto insurance and roadside assistance. When deciding between the two, it is important to compare their insurance quotes, discounts, coverages, and customer service. While AARP has cheaper average rates in most circumstances, AAA offers cheaper auto insurance quotes and is the better choice for most people due to its coverage, discounts, and customer satisfaction.

AARP's insurance is provided by The Hartford and is only available to members over 50

AARP auto insurance is provided by The Hartford and is only available to members over 50. The AARP Auto Insurance Program from The Hartford offers a range of benefits and services designed to meet the needs of older drivers.

The AARP auto insurance program includes standard bodily injury and collision coverages, as well as additional coverage options tailored to older drivers. Some of these coverage options include lifetime renewability, RecoverCare Service, and a single deductible for home and auto policies. AARP members can also take advantage of exclusive savings, such as up to 10% off their premium, discounts for requesting a quote online, and reduced rates for bundling auto and home policies.

In addition to the financial benefits, AARP auto insurance through The Hartford also provides peace of mind with its highly-rated claims services. The program has earned a reputation for integrity and trust, with high customer ratings for its claims handling.

The AARP Auto Insurance Program from The Hartford is not available in all states and territories, including Puerto Rico, the U.S. Virgin Islands, American Samoa, Guam, and the Northern Mariana Islands. Additionally, certain features, such as Accident Forgiveness and Disappearing Deductible, are not available to policyholders in California.

Overall, the AARP Auto Insurance Program from The Hartford offers a comprehensive suite of benefits and services designed to meet the unique needs of older drivers, providing both financial savings and peace of mind.

AAA's insurance is provided by different affiliates depending on the state

AAA's roadside assistance program is also provided through these regional clubs. Each club covers a specific area of the US and offers similar services, including towing, battery and locksmith services.

The cost of AAA membership and insurance can vary depending on the region and the affiliate providing the services. For example, the AAA Premier Membership offers up to $150 reimbursement for home or car locksmith fees, while the AAA Classic Membership offers up to $50 reimbursement.

It is important to note that AAA membership is required to purchase their insurance and certain services. The cost of membership starts at $64.99 per year, and additional members can be added for over 50% off.

AARP's average full coverage rate is $200 per month

AARP auto insurance is provided through The Hartford, and is only available to AARP members over the age of 50. The Hartford has been offering exclusive discounts and benefits to AARP members since 1984.

AARP offers a number of auto insurance discounts to its members, including a 10% discount for simply having an AARP membership. Members can also save up to 20% by bundling their homeowners insurance and auto insurance policies.

AARP's roadside assistance program is provided through Allstate and includes services such as emergency fuel delivery, jumpstarting a dead battery, and trip interruption reimbursement.

When comparing AARP with AAA, it's worth noting that AAA offers cheaper auto insurance quotes and better roadside assistance than AARP. However, AARP has cheaper average rates in most circumstances.

AAA's average full coverage rate is $160 per month

AAA's average full-coverage rate is $191 per month, or $2,293 per year. This is notably higher than the national average by 14%.

AAA's full-coverage car insurance includes liability insurance, which covers the bodily injuries and property damage to other parties involved in a crash caused by the policyholder. It also includes collision and comprehensive insurance, which covers various things that happen to the policyholder's car, from accidents to damages caused by hail, fire or other natural events.

The cost of AAA car insurance varies depending on the policyholder's age and driving profile. For example, a 35-year-old driver in good standing and with good credit could pay an average of 56% less for comprehensive and collision coverage than teens and young adults between 16 to 25.

AAA's full auto insurance coverage is also cheaper for drivers with clean driving records than for those with recent traffic tickets.

In addition, AAA offers a variety of discounts through its subsidiaries. Discount availability and amount may vary by subsidiary, location and other factors. Some typical AAA car insurance discounts include:

• Paperless discount: Enrolling in electronic billing can save up to 5% on insurance premiums.
• Multi-policy discount: Bundling homeowners insurance, renters insurance, or life insurance with an AAA auto insurance policy can save up to 34%.
• Vehicle safety discounts: AAA offers premium reductions of up to 40% for airbags, anti-theft devices, safety inspections and more.
• Pay-ahead discount: Signing up for AAA car insurance at least seven days before the current policy expires can get up to 5% off new policy premiums.
• AAA membership discount: AAA members may receive a discount of up to 15%.
• Loyalty discount: Staying with AAA for multiple years can qualify for discounts of up to 34%.
• Paid-in-full discount: Paying AAA car insurance premiums in full annually can get an additional 5% off.
• Good student discount: Students who attend high school or college full-time and maintain a B average can save up to 15%.
• AAA club membership: Membership of various car clubs that partner with AAA may earn an additional 5% off insurance premiums.
• Safe driver discount: AAA offers discounts of up to 20% for defensive driving classes, driver training courses, and safe driving habits.

AARP has fewer complaints and special benefits for seniors

AARP and AAA are two of the most popular options for auto insurance, but which is the better choice? While both offer competitive auto insurance and roadside assistance programs, there are some key differences to consider when choosing between the two.

One of the most notable differences is that AARP caters specifically to elderly individuals with its auto insurance offerings. Through its partnership with The Hartford, AARP offers auto insurance for individuals over the age of 50. In contrast, AAA does not have any age restrictions on its auto insurance policies.

When it comes to customer satisfaction, AAA tends to receive better reviews than AARP. According to J.D. Power's 2019 U.S. Insurance Shopping Study, AAA earned higher marks than AARP for overall satisfaction, policy offerings, price, and local agent experience. Additionally, AAA has a lower complaint index than AARP, indicating that it receives fewer complaints than expected for a company of its size.

However, when it comes to claims satisfaction, AARP slightly edges out AAA. Customers gave AARP slightly better reviews for claims processing and settlement, according to J.D. Power's 2018 U.S. Auto Claims Satisfaction Study.

Another advantage of AARP is the variety of unique benefits and discounts it offers to its senior members. These include the RecoverCare service, which pays up to $2,500 for medical care after an accident, and the Lifetime Continuation Agreement, which guarantees policy renewal as long as the member is able to drive and pay their bill. AARP also offers a range of non-emergency services, such as trip routing assistance, legal defense reimbursement, and hospital emergency bonds.

In conclusion, while AAA may have an edge over AARP in terms of customer satisfaction and roadside assistance, AARP has fewer complaints and offers special benefits tailored to the needs of senior citizens. When deciding between the two, it's important to consider your specific needs and priorities as a driver.

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