Alyssa Lane
AAA, also known as the American Automobile Association, offers a range of insurance products, including car, homeowners, and life insurance. However, to purchase AAA insurance, one typically needs to be a member of the organization. AAA membership provides benefits such as roadside assistance, towing services, travel planning, and discounts on various products and services. Membership plans vary, with options like Basic, Plus, Premier, and Classic, each offering different levels of coverage and perks. To apply for AAA insurance, one must first become a member by choosing a suitable membership plan and signing up through the AAA website or a local AAA club. Once a member, individuals can explore the insurance options available in their region and select the insurance product that meets their needs.
| Characteristics | Values |
|---|---|
| Membership Requirements | Must be 18 years or older |
| Insurance Types | Car, Homeowners, Life Insurance, Credit Monitoring, ID Protection |
| Membership Benefits | 24/7 roadside assistance, towing, discounts, vacation planning, member travel discounts, car repair discounts, identity theft protection, financial and insurance products, travel guides, passport photos, car rental discounts, member offers on cruises, tours, shopping and dining discounts, movie tickets, attraction admission discounts |
| Membership Types | Basic, Plus, Premier, Classic |
| Membership Costs | Varies by membership type and location; for example, $44.99 per year for a spouse |
| Membership Discounts | 5% on AAA Auto Insurance, 10% off labor costs up to $75 at AAA-owned repair centers, 40% on car rentals, cash back on over 140 name-brand gift cards, up to $45 off new Associate Premier Membership |
| Membership Add-ons | Spouse, children, and other adults living in the household |
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What You'll Learn
AAA membership benefits
AAA membership offers a range of benefits to make your life easier and more affordable.
24/7 Roadside Assistance
One of the key benefits of AAA membership is 24/7 roadside assistance. Whether you need a tow, a jumpstart, a tire change, or help with a lockout, AAA's fleet of certified technicians is just a call or click away. This service extends beyond your car, with bicycle roadside assistance also included.
Discounts
AAA members can access thousands of discounts, deals, and rewards, both locally and when travelling. This includes discounts at over 120,000 locations across the US, on products from HP and Dell, and on electric vehicle charging at EVgo fast-charging stations nationwide. AAA members can also earn cash back when shopping for over 140 name-brand gift cards online or in-branch.
Travel Planning and Insurance
AAA membership offers full-service vacation planning and exclusive member travel discounts. AAA also offers travel insurance and, for added peace of mind when travelling, AAA members can add RV coverage to their membership, extending service calls to include trailers, RVs, and other eligible vehicles.
Auto Repair
In the event that your car needs repairs, AAA membership grants access to nearly 7,000 Approved Auto Repair facilities that meet AAA's high standards for appearance, technician training and certification, insurance coverage, and customer satisfaction. AAA members also save 10% off labour costs, up to $75, at AAA-owned or approved auto repair centres.
Additional Benefits
AAA membership also includes identity theft protection with ProtectMyID, credit monitoring, email alerts, and fraud resolution services. AAA members can also save on insurance, with a 5% discount on AAA Auto Insurance.
Membership Options
AAA offers different membership plans so you can choose the one that best suits your needs. Basic, Plus, and Premier membership plans include towing and lockout services, and you can add your spouse to your membership for as little as $44.99 per year, depending on your plan and location.
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AAA insurance requirements
Membership
AAA is a membership-based organization, and you must be a member to access their insurance products. The basic membership provides roadside assistance and other benefits, while the insurance products are purchased separately. AAA offers different membership plans, including Basic, Plus, Premier, and Classic, each with varying benefits and costs. Membership plans include benefits such as towing, lockout services, travel planning, and discounts on car rentals, shopping, dining, and entertainment.
Location
The availability of AAA insurance products depends on your location. AAA has various regional clubs, and the insurance offerings can vary between these territories. For example, CSAA, one of the major AAA insurance companies, operates in seven states (including California and Michigan) and under different names in other states. It is essential to check the specific insurance offerings in your state or region.
Types of Insurance
AAA offers a range of insurance products, including auto, home, and life insurance. They also provide identity theft protection and credit monitoring services. The specific requirements for each type of insurance will differ. For example, auto insurance will require details about your vehicle and driving history, while life insurance will involve assessing your health and age.
Discounts and Savings
AAA members are eligible for various discounts and savings. For example, members can save 5% on AAA auto insurance and receive discounts on labor costs at AAA-approved auto repair centers. Additionally, members can earn AAA Dollars, which can be redeemed for cashback.
Additional Requirements
When applying for AAA insurance, you will need to provide personal information, such as your name, address, date of birth, and contact information. You may also need to provide specific documentation, such as a valid email address and proof of identification. It is recommended to refer to the AAA website or contact their customer service team for a comprehensive understanding of the requirements for the specific insurance product you are interested in.
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AAA insurance types
AAA offers a range of insurance products and services to its members. While specific insurance offerings may vary by state, AAA is primarily known for its auto insurance and roadside assistance services.
Auto Insurance
AAA auto insurance is provided by the CSAA Insurance Group, a AAA insurer. Members can save up to 5% on their auto insurance policies and take advantage of various benefits, such as locksmith services, collision coverage, and expert advice from experienced AAA insurance agents.
Life Insurance
AAA Life Insurance Company offers a variety of life insurance solutions, including term, whole, and universal life insurance policies. These policies aim to protect your loved ones and provide financial security.
Roadside Assistance
AAA is well-known for its roadside assistance services, which are available 24/7 to its members. This includes towing, locksmith services, and assistance with flat tires, battery issues, and fuel delivery. AAA members can also add RV coverage to their membership for additional protection.
Travel Insurance
AAA members have access to travel insurance and full-service vacation planning. This includes exclusive member travel discounts, deals, and rewards. AAA also offers a range of banking services, such as auto loans, credit cards, and custodial Roth IRAs for kids.
It's important to note that AAA membership and insurance offerings may vary depending on your location and specific plan choices. Be sure to review the available plans and benefits for your area to make an informed decision about the insurance coverage that best suits your needs.
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AAA insurance discounts
AAA offers a range of insurance products, including auto, home, and life insurance, as well as various membership plans that provide access to discounts and other benefits. Here is an overview of the types of discounts available with AAA:
AAA offers several discounts on its insurance products. The specific discounts available may vary by state, but some common ones include:
- Companion Home Discount: Applied when the named insured or their spouse has a AAA Homeowner policy. The discount differs if the companion policy is for a condo or rental property.
- Good Driver Discount: Based on the driver's licensing history and driving record.
- Good Student Discount: For high school or full-time college students with a verifiable GPA of 3.0 or above.
- AAA Membership Savings: A discount for AAA members on their insurance policies.
- Multi-Car Discount: Applied when there is more than one vehicle insured on the policy.
- Teen Smart Discount: Offered when qualified teen drivers complete a recognised program by the time they turn 19.
- Companion Auto Discount: Applied when the named insured has a AAA Auto Insurance product.
- Mature Policyholder Discount: Based on the age of the oldest insured individual.
AAA Membership Discounts
In addition to insurance discounts, AAA membership provides access to a wide range of discounts and savings on various products and services. Here are some examples:
- Roadside Assistance: Members enjoy 24/7 roadside assistance, including towing services.
- Travel Planning: Full-service vacation planning and exclusive member travel discounts.
- Car Rentals: AAA members can save up to 40% on car rentals, depending on the booking and pick-up dates.
- EV Charging: Members can save on electric vehicle charging at EVgo fast-charging stations nationwide, with no monthly or session fees.
- Retail Discounts: Save at over 120,000 locations across the US, including on products from HP and Dell.
- Tax Preparation: Save 25% on state and federal tax prep and filings.
- Mobile Products: Use your AAA member discount for additional savings on mobile products.
- Telecommunications: Get up to $100 when switching to T-Mobile.
- Airport Parking: Save 20% and get free reservations on airport parking with select providers.
- Shipping: Save 20% on packing materials and 5% on UPS shipping.
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AAA insurance partners
AAA insurance is a collection of AAA-branded products, services, and programs available to qualified AAA members. AAA members save 5% on AAA auto insurance and 10% on labor costs, up to $75, at AAA-owned or approved auto repair centers. AAA membership also offers benefits such as 24/7 roadside assistance, towing, discounts, full-service vacation planning, and exclusive member travel discounts.
In some states, AAA auto insurance is provided by the Auto Club County Mutual Insurance Company, while home/condo/renters and watercraft insurance is provided by the Auto Club Indemnity Company. AAA Life Insurance Company offers term, whole, and universal life insurance solutions to protect your loved ones.
To apply for AAA insurance, you can visit the AAA website or contact a local AAA office to inquire about the specific steps and requirements for becoming a AAA member and obtaining AAA insurance. The process may involve providing personal information, selecting the appropriate membership plan, and choosing the insurance coverage options that best suit your needs.
It's important to note that AAA insurance availability and benefits may vary by state, so it's recommended to consult the specific AAA club or website for your region. Additionally, separate purchase of AAA membership is generally required to obtain AAA insurance, and you can add your spouse to your membership for an additional cost.
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Frequently asked questions
AAA insurance is offered by AAA Insurance companies, which consist of three insurance carriers and several auto clubs that are governed by AAA national rules. AAA offers life insurance and car insurance.
To be eligible for AAA insurance, you must be a member. Membership plans vary and include benefits such as 24/7 roadside assistance, towing, discounts, full-service vacation planning, and exclusive member travel discounts.
Visit the AAA website to compare the different membership plans and choose the one that suits you best. You can then sign up for membership through the website or the AAA Mobile app.
AAA membership benefits include 24/7 roadside assistance, towing, discounts on shopping, dining, movie tickets, and attraction admissions, identity theft protection, and access to financial and insurance products.
Sign in to your AAA account and click on the "Add Someone to Your Membership" link. Enter the required details of the person you want to add and submit your payment information.
