Aaa: Insurance Carrier Or Not?

AAA, or the American Automobile Association, is a not-for-profit organisation that provides insurance and other services to its members. AAA members can access a range of insurance products, including auto, home, renters, and life insurance. AAA auto insurance is generally only available to members and offers various discounts. AAA insurance is provided by separate, regional insurance companies, meaning that insurance products and discounts may differ depending on the member's location.

AAA auto insurance pros and cons

AAA auto insurance is generally only available to members of AAA's regional clubs. While this requires an additional membership fee, it may be worth it for the perks and discounts on offer.

Pros

AAA auto insurance offers a range of standard coverages and optional coverages to help customise your policy. The specific coverages available to you will depend on your location, but some of the options include:

• Bodily injury liability
• Property damage liability
• Uninsured/underinsured motorist
• Collision
• Comprehensive
• Rental car reimbursement
• Gap insurance
• Medical payments (MedPay)
• Accidental death benefits
• New car added protection

There are also a number of discounts available to AAA auto insurance customers, including:

• Good driver discount
• AAA membership discount
• Multi-car discount
• Good student discount
• Homeowners bundle discount
• Renters or condo coverage bundle discount
• Long-term customer discount

Cons

AAA insurance is only available through separate, regional insurance companies, so you may have to change your insurance provider if you move states. Additionally, AAA club membership is typically required to access auto insurance, which means an extra fee.

AAA insurance coverage

AAA offers a wide range of insurance coverage options to its members. The company provides auto insurance for various vehicles, including cars, motorcycles, and RVs, leveraging its 100+ years of experience in road troubleshooting. They also offer home insurance policies for homeowners, condo owners, mobile home owners, renters, and landlords, with additional coverage options like earthquake and flood insurance to protect their homes and belongings.

Life insurance policies are available in term, whole, or universal formats, helping individuals secure their future and protect their loved ones. AAA also provides commercial and business insurance with competitive rates on commercial auto, workers' compensation, and general liability insurance. They also offer exclusive insurance plans in collaboration with Allianz Global Assistance to cover unexpected cancellations, delays, and medical emergencies.

Additionally, AAA provides pet insurance and coverage for boats, mobile homes, and ATVs. Members can save 5% on their insurance policies and earn discounts by bundling services or becoming AAA members. The company is known for its fast and efficient responses to customer service and claims requests, ensuring that its customers receive the assistance they need without delay.

AAA's insurance products are available in various states, including Arizona, California, Montana, Nevada, and Utah, with life insurance underwritten by AAA Life Insurance Company, licensed in all states except New York. The company's auto and home insurance are provided by CSAA Insurance Group, a AAA Insurer, ensuring that customers receive reliable coverage backed by a trusted name in the industry.

AAA auto insurance discounts

AAA offers a variety of discounts for auto insurance customers, with savings of up to 30% on car insurance. Discount availability varies by region and policy, and customers who qualify for multiple discounts can save even more.

Participatory Discounts

• Paperless discount: Save money by opting to receive your bills and statements online.
• Advance purchase discount: Save up to 10% by getting a quote before your new policy starts.
• Pay in full discount: Save by paying your entire premium upfront.
• Automatic payment deduction (EFT) discount: Save by setting up auto-pay for your premium.
• AAA safety inspection discount: Save if your vehicle passes a safety inspection by AAA.
• AAADrive discount: Save up to 30% by allowing AAA to track your driving habits, including speed, acceleration, and distracted driving.
• Defensive driver discount: Save by taking an approved defensive driving course.
• Multiple-product discount: Save by having multiple types of insurance with AAA.

Household and Driver Discounts

• Multi-car discount: Save up to 7.5% by insuring more than one car on the same AAA policy.
• Education/occupation discount: Save based on your education and occupation.
• New young driver discount: Save if you add a new driver under 20 years old to your policy.
• Good student discount: Save up to 14.5% if a full-time student driver on your policy has at least a B average.
• Student away discount: Save up to 30% if a driver on your policy attends school more than 100 miles away from where the car is parked.
• Prior insurance tenure discount: Save up to 5% for maintaining consistent car insurance coverage without any gaps.

Vehicle Discounts

• Vehicle safety discount: Save if your vehicle is equipped with approved safety devices.
• Anti-theft device discount: Save by having an anti-theft device like LoJack installed in your vehicle.
• New car savings discount: Save if your vehicle is brand new.

AAA life, home and renters insurance

AAA offers a range of insurance products, including life, home, and renters insurance. With over 100 years of experience, the company provides coverage for various types of dwellings, including homes, condos, apartments, and rental properties.

AAA's home insurance policies offer protection for your home, possessions, and personal liability. The standard coverage includes dwelling and other structures, medical payments to others, and jewellery and valuables (with limits). Optional add-ons are available for big-ticket items, earthquakes, and flood insurance. AAA also provides extra coverage for liability claims that exceed your regular auto or home policy limits.

For renters, AAA offers insurance that covers personal possessions. This includes reimbursement for damaged or stolen items, such as jewellery, TVs, or bicycles. Renters insurance also provides living expense coverage if the renter is displaced due to a covered peril and liability coverage if a guest is injured in the rented property.

In addition to these, AAA life insurance can help with term, whole, or universal insurance policies, offering protection for loved ones and investment for the future.

AAA members can enjoy discounts of up to 5% on their insurance policies and save more by bundling their home and auto insurance. The company also provides 24-hour claim services, flexible billing, and special personal property coverage. With a strong financial rating and a dedicated team of expert insurance agents, AAA provides reliable and comprehensive insurance solutions.

AAA insurance complaints and customer satisfaction

AAA Insurance, offered by the American Automobile Association, provides automobile insurance to its members through 50+ regional branches across the US. The company has been insuring Americans since 1902 and is known for its automobile and driver safety services.

Customer Satisfaction:

AAA Insurance has received praise for its customer service, with one customer commenting that "no matter what the claim is, someone is always available to help". The process of filing a claim is described as easy, and customers have reported that representatives are helpful and communicative. The company also provides fast, efficient responses to customer service and claims requests.

Complaints:

Despite generally positive reviews, some customers have expressed disappointment with AAA Insurance. One common complaint is the requirement of an AAA membership to benefit from its insurance services, which some may find unnecessary, especially if they are seeking bare-bones coverage.

There have also been issues with customer service, with one reviewer stating that they spent hours on hold and then encountered a rude and unhelpful representative. Another reviewer described their experience as "nothing short of frustrating", citing issues with claim processing and payout. Additionally, some customers have had negative experiences with adjusters, who they felt were unwilling to help with their claims.

Ways to File a Complaint:

If customers have a complaint, there are several ways to get in touch with AAA:

• Contact the Member Experience Department directly at 800-272-2877.
• Contact the Emergency Road Service department at 800-222-4357.
• Reach AAA Member Services at 800-922-8228.
• Speak with a representative at your local AAA branch.
• Submit a complaint online by visiting AAA.com, selecting "Feedback", and entering your home AAA Club zip code.

Frequently asked questions