Auto Insurance: Aaa Vs. Owners, What's The Difference?

AAA, or the American Automobile Association, offers car insurance through regional clubs. AAA auto insurance is generally only available to members, but the perks and discounts might make joining worth it. AAA uses several auto groups throughout the nation to provide car insurance to its customers. The three largest groups are Auto Club of SoCal, Automobile Club Group, and CSAA Insurance Group. AAA offers a range of standard coverages and some optional coverages that can help customize a policy. It also has a number of discounts available, but those will differ according to which local AAA organization covers your state.

AAA auto insurance is available to members only

AAA auto insurance is generally only available to members. The American Automobile Association (AAA) is a private, not-for-profit motor club servicing North America. Anyone can join for a small fee, and members can access a range of benefits, including insurance.

AAA uses several auto groups to provide car insurance to its customers. The three largest groups are:

• Auto Club of SoCal, servicing Alabama, Arkansas, California, and 14 other states.
• Automobile Club Group, servicing Florida, Georgia, Iowa, and 10 other states.
• CSAA Insurance Group, servicing Arizona, California, Colorado, and 19 other states.

These auto groups may not service every county in the states listed. However, if you are a member but there is no AAA insurance provider in your area, a local club may have a partner that can provide you with coverage.

AAA offers a range of standard coverages and some optional coverages that can be added to customise a policy. The specific coverages available depend on your location, as AAA uses several insurance groups to provide coverage. Some of the most common coverage types include bodily injury liability, property damage liability, collision coverage, comprehensive coverage, uninsured and underinsured motorist coverage, and personal injury protection.

AAA also offers various discounts for its auto insurance customers, which vary by location. These may include a good driver discount, a AAA membership discount, a multicar discount, and a good student discount.

In addition to auto insurance, AAA offers other types of insurance, including home, renters, condo, and life insurance. There may be opportunities to save on insurance costs by bundling these coverages with auto insurance.

Overall, AAA auto insurance can be a great option for those looking for savings by bundling multiple types of insurance and for members of its well-known roadside assistance program.

AAA insurance is provided by separate, regional insurance companies

AAA auto insurance is provided by separate, regional insurance companies that operate under similar names and logos. AAA club membership works in the same way, and you may need to become a member of your regional club to get auto insurance. This comes with a fee, but you may be able to get a discount on your auto insurance, making it worth the cost.

AAA uses several auto groups throughout the nation to provide car insurance to its customers. The three largest groups are:

• Auto Club of SoCal: Alabama, Arkansas, California, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Missouri, Mississippi, New Hampshire, New Mexico, Ohio, Pennsylvania, Texas, Virginia, Vermont, and West Virginia.
• Automobile Club Group: Florida, Georgia, Iowa, Illinois, Indiana, Michigan, Minnesota, North Carolina, North Dakota, Nebraska, South Carolina, Tennessee, and Wisconsin.
• CSAA Insurance Group: Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Idaho, Indiana, Kansas, Kentucky, Maryland, Montana, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Utah, Virginia, West Virginia, and Wyoming.

These auto groups may not service every county in your state, even if your state is listed above. If you are a member, but there is no AAA insurance provider in your area, a local club may have a partner that can provide you with coverage.

AAA insurance companies are called CSAA Insurance Group, Auto Club Enterprises Insurance Group, and the Auto Club Group, plus several other regional affiliates that help provide AAA insurance to customers across the U.S. Insurance policies from AAA are available to AAA roadside assistance members nationwide.

AAA offers multiple insurance products

The three largest auto groups are:

• Auto Club of SoCal: Serving 18 states, including Alabama, Arkansas, California, and Texas.
• Automobile Club Group: Serving 12 states, including Florida, Georgia, and Iowa.
• CSAA Insurance Group: Serving 26 states, including Arizona, California, and Colorado.

In addition to auto insurance, AAA offers home and renters insurance through these regional companies. They also sell life insurance policies.

The range of insurance products offered by AAA allows customers to bundle their policies, providing convenience and potential cost savings through bundling discounts.

AAA also provides additional optional coverages beyond the standard auto insurance options. These can vary by location but may include rental car reimbursement, gap insurance, accidental death benefits, and new car added protection.

The company's insurance offerings are available through location-specific clubs, and features and options can vary depending on the region.

AAA insurance discounts

AAA auto insurance is generally only available to members, but there are a variety of discounts that might make joining worth it. AAA insurance is provided by separate, regional insurance companies that operate under similar names and logos. AAA club membership works the same way, and you may need to become a member of your regional club to get auto insurance. That comes with a fee, but the resulting discount on your auto insurance may just make it worth it.

• AAA members may be eligible for a discount on car insurance.
• AAA offers a discount for bundling multiple types of insurance. In some locations, policyholders may save by bundling car insurance and homeowners coverage, or by bundling car insurance with renters or condo coverage.
• AAA members who are scientists, doctors, engineers, CPAs, or educators may be eligible for a discount.
• AAA offers a discount for insuring multiple cars.
• AAA offers a discount for paying the premium in full.
• AAA offers a discount for paying electronically and setting up automatic payments.
• AAA offers a discount for members of the military.
• AAA offers a discount for students with good grades.
• AAA offers a discount for completing a driver training course.
• AAA offers a discount for AAAdrive or AAA OnBoard, mobile apps that track your driving habits, giving you discounts for safer driving.

Please note that not all discounts are available in all locations. The availability of discounts depends on where you live and the local AAA club that covers your state.

AAA insurance coverage options

AAA offers a range of insurance coverage options for its customers. The specific options available to you will depend on your location, as AAA uses several auto groups to provide car insurance. The three largest groups are:

• Auto Club of SoCal, which serves 19 states, including Alabama, Arkansas, California, and Texas
• Automobile Club Group, which serves 12 states, including Florida, Georgia, and Illinois
• CSAA Insurance Group, which serves 26 states, including Arizona, California, and New York

These auto groups may not service every county in the states listed above, and some locations are served by other, smaller auto groups.

Despite these differences, there are several standard coverage options available across all locations. These include:

• Bodily Injury Liability: This coverage pays for the cost of injuries to a third party when you are at fault for a traffic accident.
• Property Damage Liability: This covers property damage to a third party when you are at fault for a traffic accident.
• Collision Coverage: This pays to repair or replace your vehicle if you collide with another vehicle or object.
• Comprehensive Coverage: This covers damage to your vehicle from events outside the driver's control, such as weather, theft, or vandalism.
• Uninsured and Underinsured Motorist: This covers your medical bills and property damage when the at-fault party does not have sufficient insurance.
• Personal Injury Protection: This covers the cost of injuries to you or your passengers resulting from a traffic accident.

In addition to these standard options, AAA offers several other types of coverage, although availability may vary by location. These include:

• Gap insurance: This covers the difference between your car's value and the balance of your loan or lease if your car is totaled or stolen.
• Rental Reimbursement: This covers the cost of a rental car while your vehicle is being repaired.
• Rental Car Insurance: This covers you while you are driving a rental car.
• Non-owners Insurance: This protects drivers who don't own a vehicle but require coverage.
• Pet Coverage: This pays for your pet's medical costs if they are injured in a traffic accident.
• Accident Forgiveness: This ensures your insurance premiums do not rise after your first accident.

Frequently asked questions