Renewing Aaa Auto Insurance: A Step-By-Step Guide

Renewing your AAA auto insurance is a simple process that can be done annually or through auto-renewal. AAA offers a range of benefits to its members, including roadside assistance, travel perks, discounts, and insurance packages. To renew your membership, you can log in to the portal, give them a call, or visit your local AAA branch. This guide will provide an overview of the renewal process and highlight the advantages of maintaining your AAA membership.

AAA membership renewal benefits

Roadside Assistance

One of the most well-known benefits of AAA membership is emergency roadside assistance. This service provides peace of mind while travelling, as AAA is just a click or call away from providing professional and courteous assistance. Their fleet of certified technicians offers services such as battery service, jumpstarts, lockouts, tire changes, and tows to nearby auto repair shops. The AAA app is the fastest way to request and track the arrival of roadside assistance.

Discounts and Rewards

AAA members enjoy various discounts and rewards at over 80,000 name-brand partner locations nationwide and online. This includes savings on movie tickets, theme parks, car rentals, gas, hotel bookings, restaurants, retailers, and more. AAA also offers its members the opportunity to shop through the AAA Dollars Online Mall, where they can earn AAA Dollars to be applied towards membership renewal, redeemed for cashback, and more.

Insurance Services

AAA provides insurance services, including auto, home, RV, boat, and life insurance policies. AAA members can save 5% on AAA auto insurance and 10% on labour costs, up to $75, at AAA-owned or approved auto repair centres. Additionally, members can receive a free car seat inspection to ensure their children's safety.

Travel Services

AAA offers a range of travel services, including vacation packages, maps, travel tools, and access to travel advisors. They can assist with passport photos and provide travel insurance. AAA members also have access to the AAA Mobile app, which helps locate hotel and dining discounts.

Financial Products

AAA offers financial products such as online and mobile banking services, high-yield savings accounts, CDs, and checking accounts. They also provide highly competitive home and auto loans, as well as credit cards designed exclusively for AAA members.

Identity Theft Protection

AAA members can take advantage of complimentary identity theft protection services, including credit monitoring, email alerts, and fraud resolution. This benefit provides peace of mind and helps ensure their personal information remains secure.

DMV and Notary Services

AAA offers the convenience of handling common DMV services, including registration renewal, and accepts credit cards, unlike the DMV. Additionally, they provide quick and convenient notary services with special discounts for members, making it easier to handle affidavits, powers of attorney, and financial agreements.

Renewing your AAA membership ensures that you continue to receive these valuable benefits and more. Whether you're a new or long-time member, AAA is committed to providing a wide range of services to make your life easier and more secure.

AAA auto insurance options

AAA offers a range of auto insurance options to meet the unique needs of its customers. Their car insurance coverage includes:

• Collision coverage: This covers repairs to your car when you are at fault in an accident.
• Comprehensive coverage: This provides protection against damage that is not collision-related, such as theft, storm damage, or vandalism.
• Custom, electronic, or extra equipment coverage: This offers coverage or higher limits for non-factory installed items attached to your car.
• Liability coverage: This provides coverage if you are at fault in an accident and need to pay for the resulting costs. This type of coverage is mandatory in most states.
• Medical expenses coverage: This fills in gaps in health insurance if you or your passengers are injured in an accident, regardless of who is at fault.
• Personal injury protection: This covers medical, work loss, and other expenses from auto accident injuries, regardless of who is at fault.
• Rental car reimbursement: This reimburses the cost of a rental car if your insured vehicle is out of service for a covered reason for an extended period, typically at least 24 hours.
• Roadside assistance: This provides 24/7 assistance for issues such as flat tires, locked keys in the car, or towing needs.
• Uninsured motorist coverage: This offers protection if you are hit by a driver who does not have sufficient insurance to cover the damage.

In addition to these standard coverage options, AAA also offers several optional add-ons, including:

• Enhanced Total Loss Replacement: If your car is a total loss after a crash, AAA will pay to replace it with a new model.
• Loan Lease Gap coverage: This covers the gap between what you owe on a loan or lease and the actual cash value of your vehicle if it is a total loss.
• Enhanced Exterior Repair: This allows you to obtain original exterior parts from the manufacturer instead of aftermarket parts (excluding window glass and mechanical parts).

AAA also offers a range of discounts to help reduce the cost of auto insurance for eligible customers. These include discounts for clean driving records, bundling home and auto insurance, insuring multiple vehicles, being a full-time student or recent graduate with good grades, and having an active AAA membership.

AAA roadside assistance

The following services are included in your AAA membership:

• Towing: AAA will tow your vehicle to your chosen destination. The number of miles covered depends on your membership type and the rules of your local club.
• Flat tire service: Inflation or replacement with your spare tire at no charge.
• Fuel delivery: Free delivery of enough fuel to get you to the nearest gas station.
• Car battery service: AAA can jump-start your vehicle, test your battery, and replace it if necessary.
• 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 unlock it. If this is not possible, towing benefits will apply.
• Extrication/winching service: AAA will free your car if it is stuck and can be safely reached from a normally travelled road.

• Log in using your name and zip code.
• Track the AAA service vehicle directly to your location.
• Request a tow to a AAA Approved Auto Repair Shop or your chosen destination.
• Receive assistance from a AAA technician.

You can request roadside assistance online, by text, or by calling a AAA call counsellor.

AAA insurance renewal quiz

AAA offers three main types of membership: Classic, Plus, and Premier. Each type has different benefits and services included. For example, with Classic, you get up to five miles of free towing per call, while with Plus, you get free towing within 100 miles of the call. Premier offers the most comprehensive package, with extended towing mileage and additional services such as concierge services and a vehicle return benefit.

In addition to the core benefits of each membership type, AAA offers a range of additional services. These include motorcycle insurance, collector car insurance, home and condo insurance, and final expense coverage. You can also take advantage of free webinars and seminars, as well as travel medical insurance and special event insurance.

You can renew your AAA membership by logging into your account online or by calling the Membership Service Center at 800-922-8228. AAA also offers a Monthly Payment Plan, allowing you to pay a low monthly fee instead of a lump sum. To ensure continuous coverage, you can enrol in Automatic Renewal and receive a one-time discount of $10 off your annual membership dues.

Consider if there have been any changes to your household that may affect your insurance rates or coverage. For example, is there a newly licensed driver in your household, or has someone's commute changed significantly? These factors can impact your insurance needs and rates.

Review your current insurance policy to ensure it still meets your needs. Consider if you require additional coverage, such as RV, boat, or life insurance. AAA offers a variety of insurance packages and options to suit different needs. You can also take advantage of their travel insurance and identity theft protection services.

AAA membership levels

AAA offers three levels of membership: Classic, Plus, and Premier. Each level offers different benefits and services, with the main differences lying in the extent of roadside assistance, towing services, and travel benefits provided.

Classic Membership

The Classic membership is ideal for those who usually drive short distances of 5 miles or less. It includes essential benefits such as 24/7 roadside assistance, accident protection, travel assistance, and various discounts. This plan provides up to 5 miles of free towing (4 times per year), free jumpstart, flat tire removal, and emergency fuel delivery (fuel costs apply). It also covers up to $50 for vehicle entry services and extraction services with one truck and driver.

Plus Membership

The Plus membership is the most popular option, offering additional benefits beyond the Classic coverage. It includes all the features of the Classic plan, plus extended towing of up to 100 miles (4 times per year), free fuel delivery service, and up to $100 coverage for vehicle entry services. The Plus membership also provides extraction services with up to two trucks and drivers, and Automobile Accident Protection for up to $600.

Premier Membership

The Premier membership is the highest level of AAA membership, providing the most comprehensive package of benefits. It is perfect for those who frequently drive long distances and seek extensive roadside and travel assistance. The Premier plan includes all the perks of the Plus membership, plus extended towing of up to 200 miles (once per year) and up to 100 miles on other calls. It also offers up to $150 reimbursement for home and car lockout services, free one-day emergency car rental, and vehicle return protection for up to $500.

The cost of AAA membership varies depending on the region and level chosen. The annual fees mentioned range from $64.99 to $135 for the Classic plan, $89 to $150 for the Plus plan, and $124.99 to $254 for the Premier plan.

It is important to note that AAA also offers optional assistance plans, such as the Plus RV and Premier RV plans, which extend benefits to registered recreational vehicles, motorcycles, and motorhomes.

Frequently asked questions