Aaa Auto Insurance In Florida: Is It Worth The Hype?

AAA Auto Insurance is a good option for Florida drivers who are looking for a well-established company with a range of coverage options and discounts. AAA has been serving America's drivers for over 100 years and offers automobile insurance through its 50+ regional branches. The company provides multiple coverage types, including liability, no-fault, collision, comprehensive, uninsured/underinsured motorist, and more.

One of the perks of AAA Auto Insurance is that members can access various discounts on movies, hotels, rentals, and more. Additionally, AAA offers a discount for safe drivers, good students, and those who bundle their auto and home insurance policies.

While AAA Auto Insurance has generally positive reviews, some customers have reported issues with unexpected premium increases and challenges with towing services. It's important to note that AAA Auto Insurance is only available to paid AAA members, and coverage options may differ by location.

Discounts for AAA members

AAA offers a wide range of discounts and rewards for its members, which can be used on everyday items at home and when travelling. AAA members can earn automatic savings when they shop with any of their 100,000+ discount partners.

Automotive Discounts

AAA members can save 30 cents per gallon on their first fill-up at Shell when they join the Fuel Rewards program. They can also get 10% off most auto parts and accessories, and $22 off AAA Premium Batteries. There are also discounts on the CARFAX Vehicle History Report and AAA-branded car battery purchases.

Personal Services Discounts

AAA members can get 50% off lenses with a frame purchase, 30% off eye exams and non-prescription sunglasses, 15% off lenses or frames purchased separately, and 10% off disposable contact lenses. There are also discounts of up to 20% on Spot Pet Insurance Plans, and 10% off food, non-alcoholic drinks, and non-charity merchandise at Hard Rock Cafe, plus Hard Rock Rewards.

Dining Discounts

AAA has instant discounts with participating restaurants and deep discounts on branded gift certificates or gift cards issued by Restaurant.com. For example, in one area, AAA runs a deal of $4 for a $25 certificate, an 80% saving. Instant restaurant discounts include 10% off food and non-alcoholic drinks at Hard Rock Cafe, Rainforest Cafe, Oceanaire Seafood Room, Bubba Gump Shrimp Company, and Jimmy Buffett’s Margaritaville.

Entertainment Discounts

AAA members can save up to 30% on tickets, get a two-month free trial that includes two free bestsellers or new releases, and a four-month Platinum streaming free trial.

Travel Discounts

AAA members qualify for discounts with major rental car companies, and unlike most AAA perks, these are standardised nationwide. For example, members can save 10% off advance reservations made in the US and Canada with Dollar Car Rental, and get a free car booster seat for children, plus 10% off a navigation unit.

AAA also offers hotel discount opportunities, which are often standardised nationwide. For example, members can get up to 15% off and 10% more hotel loyalty points when booking with the BW Premier Collection.

Home & Business Discounts

AAA members can save up to 30% with on-demand printing services, 15% off a new mailbox, in-store print/copy services, packing/office supplies and more. They can also save an average of $840 on state-to-state moves with Full-Value Protection at no additional charge.

Health & Wellness Discounts

AAA members can get 50% off prescription lenses and 30% off sunglasses at LensCrafters, up to 25% off select products and services at Glasses.com, up to 45% off select apparel and outdoor products at Backcountry, and up to 10% off classes and memberships at YogaFit Studios.

Other Discounts

AAA members can also save on their wireless carrier plans, and get a free 30-day trial of GameFly.

AAA's insurance coverage options

AAA offers a wide range of insurance coverage options to its members. The company provides automobile insurance through its 50+ regional branches across the United States, with auto insurance available exclusively to paid AAA members. The specific coverage options differ based on location, but all the standard coverage options are available.

• Liability Coverage: This covers unintentional bodily injury and property damage to others in an accident. It pays when you are legally liable.
• No-Fault Coverage: Some states require no-fault insurance, which includes Personal Injury Protection (PIP). PIP covers medical expenses, work loss, and other costs resulting from auto accident injuries, regardless of fault.
• Collision Coverage: This pays for physical damage to your vehicle caused by a collision with another object or vehicle.
• Comprehensive Coverage: This covers non-collision-related losses, such as fire, theft, glass breakage, vandalism, natural disasters, and falling objects.
• Uninsured/Underinsured Motorist Coverage: This pays for damages you are legally entitled to recover from an uninsured or underinsured driver.
• Custom, Electronic, or Extra Equipment Coverage: This provides coverage for non-factory installed items attached to your vehicle, or higher limits of coverage for such items.
• Car Rental Coverage: If your car is out of service for more than 24 hours due to a covered loss, this coverage pays for a rental car.
• Medical Payments Coverage: This covers medical and funeral expenses resulting from injuries sustained in an auto accident.

In addition to these, AAA offers several add-on coverage options and policy bundles to save costs. These include accident forgiveness, new vehicle replacement, rental car reimbursement, and the ability to bundle home and auto policies. AAA also provides insurance for motorcycles, boats, RVs, and other vehicles, as well as commercial and business insurance options.

Pros and cons of AAA auto insurance

AAA auto insurance is generally only available to members, but the perks and discounts might make joining worth it. Here are some pros and cons of AAA auto insurance:

Pros

• AAA has been serving America's drivers for over 100 years and has a longstanding tradition of exceptional service.
• AAA offers a variety of coverage options, including collision, comprehensive, liability, rental car reimbursement, and more.
• AAA provides multiple insurance products, such as auto, home, renters, life, and small business insurance.
• AAA offers various discounts for its members, including advance purchase, claim forgiveness, life insurance, and vehicle safety inspection.
• AAA has a flexible cancellation policy, allowing cancellations over the phone, by email, or in person.
• AAA has well-reviewed customer service, with representatives available 24/7 to help with claims.
• AAA offers additional perks such as roadside assistance, discounts on movies, hotels, rentals, and more.

Cons

• AAA auto insurance is only available to paid AAA members, which adds an extra cost.
• Coverage options differ by location, and not all discounts are available in all areas.
• You may have to change AAA insurance providers if you move to a different state.
• Some customers have reported issues with unexpected premium increases and unsatisfactory claim handling.

Customer reviews of AAA auto insurance

AAA Auto Insurance has been serving America's drivers for over 100 years and has a wide range of customer reviews. Here is a selection of customer reviews of AAA Auto Insurance:

Positive Reviews

AAA has received positive reviews for its customer service and ease of filing claims. One customer praised AAA's customer service, stating that they always have someone available to help with their claims. Another customer highlighted the easy process of filing a claim and the helpfulness of the representative. They were able to settle their claim quickly and buy a new car within a few weeks. AAA has also been recognised for its longstanding tradition of exceptional service and the peace of mind it provides to its customers while on the road.

Negative Reviews

On the other hand, some customers have expressed disappointment with unexpected premium increases. One customer mentioned that their premium increased significantly despite having no claims. Another customer shared a similar experience, stating that their premium increased by a large amount for their two autos and home insurance. Additionally, some customers have had negative experiences with AAA's roadside assistance. One customer had to wait for several hours for a tow truck, and their car was ultimately towed by a different company.

Mixed Reviews

While some customers praised AAA's insurance offerings and discounts, others felt that the requirement to have an AAA membership added an unnecessary cost. Some customers appreciated the various coverage options, such as collision, comprehensive, liability, and rental car reimbursement, while others were dissatisfied with the unavailability of certain types of coverage in their state.

Overall, AAA Auto Insurance has received mixed reviews, with some customers praising its customer service, easy claims process, and coverage options, while others have expressed concerns about unexpected premium increases and issues with roadside assistance.

AAA's roadside assistance

AAA has been providing roadside assistance to its members for over 100 years. The service offers protection and peace of mind, ensuring that members are safe, covered, and in good hands. With a fleet of more than 63,000 towing and roadside service trucks across the country, AAA is designed to get you back on the road.

AAA roadside assistance is available to members 24/7, any day, any time, in any car, whether you are the passenger or the driver. As long as the member is with the car, they can get roadside service anywhere in the U.S. or Canada. The most common roadside services are included as part of your AAA membership, but some may require an extra charge depending on your membership level.

There are multiple ways to contact AAA for roadside assistance. The fastest and most efficient way is to use the AAA Digital Roadside Request online tool, or text HELP to 800-AAA-HELP (800-222-4357) and they will send you a link to request service. After answering a few quick questions, help will be on the way. While you wait, you can stay updated with text messages from your technician and track their arrival.

If you prefer to speak to a AAA call counsellor, you can call (800) AAA-HELP or (800) 222-4357. You can also use Amazon Alexa or Google Home/Assistant. For Alexa, when you need roadside assistance, just ask your digital assistant to help make the call to AAA. For Google, say “okay Google, talk to AAA road service."

To get roadside service, you will need the following information ready:

• Your 16-digit membership number located on the front of your AAA membership card or Digital Membership Card.
• The location of the disabled vehicle.
• The type of service needed.
• The description of the disabled vehicle.
• Phone number where you can be contacted.

AAA emergency roadside assistance benefits for members include:

• Towing: AAA will tow your vehicle to your regular repair shop, a AAA Approved Repair facility, gas station, or other destination of your choice. The number of miles covered depends on membership type and the rules of your local club.
• Flat tire service: Inflation or replacement with your spare at no charge.
• Fuel delivery: Free delivery and enough fuel to get you to the nearest gas station.
• Car battery service: AAA can jump-start your vehicle, test your battery, and immediately replace it if necessary. Battery replacement is not available in all areas and the cost of the battery is not included.
• Mechanical first aid: Minor repairs and adjustments not requiring parts or supplies to get your vehicle running.
• Locksmith service: If you lock your keys in your car, a technician will try to gain entry. If the attempt fails, towing benefits will apply.
• Extrication/winching service: A car that is stuck will be freed if it can be safely reached from a normally travelled road.

Frequently asked questions