Aaa Auto Insurance: Affordable Or Overpriced?

AAA Auto Insurance is not the cheapest option, but it comes with a lot of benefits and offers a wide range of insurance plans to its members. AAA offers most common types of auto insurance, such as comprehensive coverage, rental reimbursement coverage, and uninsured motorist protection. It also offers specialized types of insurance, including rideshare insurance and better car replacement. AAA members can also get discounts by bundling their auto and homeowner's insurance policies. Membership costs $59.99 per year and includes perks like roadside assistance and discounts at stores and restaurants. AAA has an A rating with AM Best, indicating strong financial stability. However, AAA's customer service has received mixed reviews, with some people reporting difficulties in filing claims and poor response times.

AAA auto insurance pros and cons

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 to help you decide.

Pros:

• AAA offers a wide variety of insurance for vehicles, including specialised types of insurance such as rideshare insurance, better car replacement, and OEM exterior repair coverage.
• Members get discounts. AAA offers many discounts to its members, including for safe driving habits, owning travel trailers, and paying premiums in full.
• Options for bundles are available. AAA allows members to bundle their auto insurance and home insurance, helping to cut costs and make it easier to keep track of finances.
• AAA has an A rating with AM Best, indicating strong financial stability.
• AAA auto insurance is accessible nationwide.

Cons:

• AAA auto insurance is only available to AAA members, which comes with an additional cost.
• AAA insurance has a high rate of customer complaints, and some regional branches are rated 1-2 out of 5 stars by the Better Business Bureau (BBB). Most complaints refer to poor customer service and response time.
• AAA's service varies by location, so you may have to change insurance providers if you move states.
• AAA auto insurance is not the cheapest option.

Overall, AAA auto insurance may be a good choice for those who want to take advantage of the benefits and discounts offered by the company, but there are other options available that may provide better customer service and lower costs.

AAA auto insurance discounts

AAA offers a wide range of discounts for its policyholders. These discounts can be earned by bundling policies, being a part of a car club, and more. Here is a list of some of the best AAA auto insurance discounts:

Multi-Policy Discounts

AAA offers multi-policy discounts for houses, condominiums, cars, renters insurance, and life insurance. Here are some examples:

• Companion Home Discount: Save up to 12.7% on auto insurance when combined with a home policy.
• Companion Auto Discount: Save up to 12.5% on homeowners insurance when combined with an auto policy.
• Auto + Condo Discount: Save up to 11.2% on auto insurance and 20% on condo insurance when policies are combined.
• Auto + Renters Discount: Save up to 3.7% on auto coverage and 10% on renters insurance when policies are combined.
• Auto, Home, and Life Discount: Save up to 19% on auto insurance and 22% on homeowners insurance when combined with life insurance.

Auto Policy Discounts

AAA also provides various auto policy discounts, including:

• Multi-Vehicle Discount: Save up to 15.7% when insuring more than one car on the same policy.
• Select Professionals and Alumni Associations: AAA offers discounts for certain professions, including science and engineering.
• Good Driver Discount: Maintain a clean driving record to save up to 20%.
• Verified Mileage Discount: Save up to 9.1% by providing your vehicle's odometer reading when requested.
• Student Away Discount: If your student is over 100 miles away from school without a vehicle, save 46.7% on select coverages.
• Good Student Discount: Students with a GPA of 3.0 or higher can save up to 10% on car insurance.
• Teen Smart (New Driver) Discount: Young drivers aged 16-26 who take an online safety class can earn a 24% discount.
• Driver Training Discount: Complete an approved driver training class and save 10% on car insurance.
• Car Club Discount: If you belong to a qualifying car club, save 5% on your car insurance.

Other Ways to Save on Car Insurance with AAA

In addition to the discounts mentioned above, there are other ways to save on car insurance with AAA:

• Increase Your Deductible: Raising your deductible can lower your monthly premium.
• Update Your Policy Regularly: Life events such as marriage, having a baby, or moving can affect your car insurance rates, so update your policy regularly to ensure you're getting the best rates.
• Maintain a Good Credit Rating: A solid credit rating can lead to lower car insurance premiums.

AAA auto insurance customer service reviews

AAA auto insurance is generally only available to members, but the perks and discounts might make joining worth it. AAA offers a wide range of insurance plans to its members. The company has been insuring Americans since 1902 and operates in more than 50 independent branches across the country.

Positive Reviews

AAA has received positive reviews for its customer service. One reviewer praised the company for its easy claims process, stating that the representative was very helpful and that the claim was settled quickly. Another reviewer commended AAA for its helpful and attentive staff, who went out of their way to assist them during a difficult time. Some reviewers also highlighted the convenience of bundling their auto and home insurance policies through AAA, noting that it helped them save money and simplify their finances.

Negative Reviews

On the other hand, AAA has also received negative feedback for its customer service. Some reviewers complained about long wait times and delays in receiving assistance. There were also reports of difficulty in filing claims and poor response times. A few reviewers expressed disappointment with AAA's roadside assistance, citing instances where they had to wait for several hours for help to arrive. Others mentioned issues with membership and billing, such as unexpected rate increases and challenges with cancelling their policies.

Mixed Reviews

While some reviewers praised AAA's mobile app as a helpful tool for managing their policies and tracking safe driving habits, others found the app inadequate and preferred interacting with the company through other means.

Overall, while AAA offers a wide range of benefits and discounts to its members, the reviews for its auto insurance customer service are mixed. Some customers have had positive experiences with helpful representatives and smooth claims processes, while others have encountered challenges with long wait times, billing issues, and difficulties in receiving assistance.

AAA auto insurance cost

AAA auto insurance is available to AAA members only. Membership starts at $50 or $59.99 per year and comes with perks like roadside assistance, discounts at select stores and restaurants, and DMV services. The premium membership, at $119 per year, includes up to 200 miles of free towing anywhere in the country.

AAA auto insurance is not the cheapest option on the market. It is made up of several smaller companies that operate in different regions, so policy options, customer service, and rates will vary depending on where you live. The average cost of AAA auto insurance is around $2,500 per year, which is much higher than the typical annual cost of $1,700 for drivers with clean records and good credit scores.

However, AAA offers many benefits to its members, including a wide variety of insurance options, such as comprehensive coverage, rental reimbursement coverage, and uninsured motorist protection. AAA also offers specialized types of insurance, including rideshare insurance, better car replacement, and original equipment manufacturer (OEM) exterior repair coverage.

Additionally, AAA offers several opportunities for members to save money on their auto insurance policies. For example, AAA members can save up to:

• 20% for drivers with clean driving records over a period of time
• 12.7% when bundling home and auto insurance
• 15.7% when insuring more than one vehicle
• 7% for full-time students or graduates up to age 25 with a GPA of 3.0 or higher
• 5% for having an active AAA membership

AAA auto insurance accessibility

AAA auto insurance is accessible nationwide, but you must be a member to purchase a policy. Membership starts at $59.99 per year and includes benefits such as roadside assistance, discounts at stores and restaurants, and DMV services. The premium membership, at $119 per year, includes up to 200 miles of free towing anywhere in the country. AAA auto insurance is available through various branches in all 50 states, including AAA Northern CA, AK, AZ, MT, NV, UT & WY, and Auto Club of SoCal.

AAA offers a wide range of insurance plans, including comprehensive coverage, rental reimbursement coverage, and uninsured motorist protection. They also offer specialized types of insurance, such as rideshare insurance and better car replacement coverage.

You can get a free quote for AAA auto insurance online or by calling their customer service line.

Frequently asked questions