Aaa: Insurance Or Not?

AAA, or the American Automobile Association, is a group of private, not-for-profit regional motor clubs located throughout North America. It offers a range of services to its members, including insurance, travel services, and roadside assistance. In terms of insurance, AAA provides automobile insurance, along with homeowners, health, and life coverage, as well as insurance add-ons and policy bundles. To access AAA's insurance offerings, one must be a paid member of the club. Membership comes with perks such as discounts on movies, hotels, rentals, and more. While AAA has received some complaints about its customer support and roadside assistance, it is generally considered a good insurance option, especially given its wide variety of coverage options and budget-friendly prices.

AAA's insurance services include auto, home, life, and health

AAA, or the American Automobile Association, is a group of private, not-for-profit regional motor clubs located throughout North America. AAA offers a range of insurance services to its members, including auto, home, life, and health insurance.

Auto Insurance

AAA provides automobile insurance to its members through its 50+ regional branches across the country. The company offers multiple coverage types, including collision, comprehensive, liability, rental car reimbursement, and more. In addition, AAA members can add several coverage options to their policies, such as accident forgiveness, new vehicle replacement, and rental car reimbursement.

Home Insurance

AAA also offers home insurance to its members, providing protection for their homes and belongings. Home insurance insights and services are available on the AAA website and through local AAA clubs.

Life Insurance

Life insurance is another product offered by AAA. While life insurance is not available in all locations, members can often add it to their home and auto policy bundles.

Health Insurance

Although limited information is available, AAA also mentions health coverage as part of its insurance services.

Overall, AAA insurance is known for its competitive rates, 24/7 roadside assistance, travel planning services, and generous discounts. However, it is important to note that AAA insurance is only available to paid members, and coverage options may differ by location.

AAA insurance is only available to paying members

AAA, or the American Automobile Association, is a group of private, not-for-profit regional motor clubs located throughout North America. AAA offers insurance services to its members, including auto, homeowners, and life insurance policies, as well as coverage options for boats, motorcycles, pets, and more.

To become a member of AAA, individuals must pay an annual fee, which starts as low as $50 per year and can increase depending on location and selected services. Once an individual has a membership, they can then access AAA's insurance services.

AAA insurance policies offer all the standard coverage options required by state governments, including liability coverage for bodily injury and property damage, coverage for medical payments, and personal injury protection. In addition, AAA members can choose to enhance their auto policies with additional coverage options, such as enhanced total loss replacement, loan lease gap coverage, and enhanced exterior repair.

Overall, while AAA insurance is only available to paying members, the membership comes with a range of benefits and services that extend beyond insurance.

AAA offers insurance for boats, motorcycles, and pets

AAA, or the American Automobile Association, is a group of private, not-for-profit regional motor clubs located throughout North America. AAA offers a wide range of services to its members, including insurance for automobiles, homeowners, health, and life. In addition, AAA also provides specialty insurance for boats, motorcycles, and pets.

Boat insurance from AAA covers various types of watercraft, including powerboats, sailboats, and personal watercraft like Jet Skis. It offers protection for physical and financial losses, including damage to engines, lower units, props, and sails. Boat insurance also covers liability for property damage and injuries to others, as well as comprehensive coverage for fire, vandalism, theft, and storm damage.

Motorcycle insurance from AAA offers replacement cost coverage and travel loss reimbursement. It might also include coverage for permanently attached accessories, safety apparel, and helmets. AAA Plus Motorcycle and AAA Plus RV & Motorcycle members in Arizona benefit from roadside assistance for their bikes, including emergency fuel delivery, towing, and locksmith services.

AAA also offers pet insurance through Spot™, with two plans available: Accident Only and Accident & Illness. The Accident & Illness plan covers accidents, illnesses, genetic and breed-specific conditions, cancer diagnosis and treatment, emergency and specialist vet care, surgery, hospitalization, alternative treatments, behavioral treatments, and prescription medications. AAA members can enjoy a discount of up to 20% on pet insurance and 24/7 access to the Pet Health Helpline.

Overall, AAA provides a comprehensive range of insurance options, including specialty coverage for boats, motorcycles, and pets, giving its members peace of mind and protection for their valued possessions.

AAA members are automatically enrolled in the emergency Roadside Assistance program

AAA, or the American Automobile Association, is a group of private, not-for-profit regional motor clubs located throughout North America. AAA offers a wide range of services to its members, including insurance, travel services, and emergency roadside assistance.

AAA members are automatically enrolled in the company's flagship emergency Roadside Assistance program. This service provides protection and peace of mind, ensuring that members are safe and covered in any roadside emergency. The program includes:

• Towing services: AAA will tow your vehicle to a repair shop, gas station, or your chosen destination. The number of miles covered depends on your membership type and local club rules.
• Flat tire service: AAA technicians will install your spare tire, re-inflate your tire, or tow your vehicle if needed.
• Fuel delivery: If you run out of fuel, AAA will bring you enough to get to the nearest gas station.
• Car battery service: AAA can jump-start your vehicle and, if necessary, replace your battery on the spot (battery replacement may not be available in all areas).
• Locksmith service: If you lock your keys in your car, a technician will attempt to unlock it. If they are unable to do so, towing benefits will apply.
• Minor repairs: AAA drivers can perform minor adjustments that do not require parts to get your vehicle running again.

The Roadside Assistance program is available 24/7, in any car, and whether you are the driver or a passenger. To access these services, you will need your AAA membership card and a photo ID.

In addition to roadside assistance, AAA members also enjoy benefits such as discounts on movies, hotels, rentals, and more. AAA also offers insurance services, including auto, homeowners, health, and life insurance.

AAA offers a range of insurance discounts

AAA, or the American Automobile Association, offers a wide range of insurance discounts to its members. AAA members can save on auto, home, and life insurance policies, as well as take advantage of various other benefits and perks.

Auto Insurance Discounts

AAA offers several auto insurance discounts, including:

• Good Student Discount: Students who maintain a high GPA can save up to 20% on their auto insurance.
• Student Away Discount: Students attending school over 100 miles from home without a car can save up to 30% on their auto insurance.
• Pay-in-Full Discount: Members who pay their auto insurance premium in full can earn a significant discount.
• New Car Discount: AAA offers discounts of up to 30% on insurance for new vehicles or those less than 2-3 years old.
• Multi-Vehicle Discount: Members with multiple vehicles insured under their policy can qualify for a discount of up to 27%.
• Driver Training Discount: Completing a driver training class can save members up to 10% on their auto insurance.
• Mileage Verification Discount: AAA members who drive less can save up to 10% on their auto insurance.
• Safety Feature Discount: Members with anti-theft devices, airbags, and other safety features can receive a discount on their auto insurance.
• Safety Inspection Discount: AAA members can get a discount on their auto insurance when they get a safety inspection on their vehicle from AAA.
• Defensive Driving Course Discount: Completing an approved defensive driving course can save members up to 20% on their auto insurance.

Home Insurance Discounts

AAA also provides various home insurance discounts, such as:

• Companion Auto Discount: Members with AAA Auto Insurance can save 12.5% on their home insurance.
• Mature Policyholder Discount: This discount is based on the age of the oldest insured individual.
• AAA Membership Savings: Active AAA members can save 5% on their home insurance.

Life Insurance Discounts

In addition, AAA offers life insurance discounts, including:

• Membership Discount: AAA members can save 10% on term and whole life insurance policies.
• Companion Auto Discount: Members with AAA Auto Insurance can save 5% on their life insurance.
• Companion Home Discount: Members with AAA Home Insurance can save 2% on their life insurance.

Other Benefits and Discounts

Beyond insurance, AAA membership offers a range of other benefits and discounts, such as:

• Roadside Assistance: Free towing, fuel delivery, and other emergency services.
• Travel Planning Services: Access to exclusive travel deals and discounts on hotels, rentals, and more.
• Retail and Entertainment Discounts: Savings at select retailers, restaurants, and entertainment venues.
• Financial Services: Currency exchange and financial products for domestic and international travel.

Frequently asked questions