Aaa Auto Insurance: Affordable Coverage, Why?

AAA insurance is cheap because the company offers a wide variety of discounts that almost anyone can get. A minimum coverage policy from AAA costs an average of $82 per month, and AAA premiums can be made even cheaper by taking advantage of discounts such as the paid-in-full discount and safety inspection discount. Plus, AAA rewards customer loyalty with discounts for insuring more than one car and bundling multiple policies, such as home and auto.

Discounts for AAA members

AAA insurance is generally only available to members, but the perks and discounts might make joining worth it. AAA auto insurance is available through location-specific clubs throughout the country, and features of AAA car insurance policies can vary depending on where you live.

AAA offers a range of discounts to its members, including:

• Defensive driving courses: Completing a defensive driving course can qualify you for up to a 10% discount on portions of your auto insurance, and you can also reduce up to 4 points off your license.
• Good driver discount: AAA may offer a discount for drivers with a clean driving record.
• Multi-car discount: Insuring more than one vehicle with AAA can result in savings of up to 20% on select coverages.
• Multi-policy discount: AAA offers discounts for bundling multiple types of insurance, such as home and auto.
• Paid-in-full discount: Paying your policy in full can save you up to 5%.
• Safety inspection discount: AAA offers a discount for vehicles with approved safety equipment and theft prevention devices.
• Student discounts: Students can get a discount for having good grades, and there is also a discount for students who keep their car at home while they are away at school.
• Driver training course discount: Completing a driver training course can result in a discount on your AAA insurance.
• Loyalty discount: The longer you've been a AAA member, the greater your discount will be.
• Telematics discount: You can get a discount for tracking your driving habits using the AAA app.

In addition to these discounts, AAA members also have access to other benefits, such as roadside assistance, vacation planning services, and retail discounts.

AAA's roadside assistance

AAA is a not-for-profit membership organisation that offers a wide variety of insurance options and other benefits, such as roadside assistance and travel planning services. The company was founded in 1902 when several independent motor clubs joined together to create a national association.

Today, AAA is best known for its roadside assistance. It has been in the car insurance business for over 100 years and currently has more than 17 million members with insurance policies.

AAA roadside assistance includes services like towing, flat-tire changes, and jump-starts. Technicians are usually dispatched within 30 to 60 minutes of a call.

AAA also provides its members with discounts and benefits such as:

• 10% off labour for repairs and maintenance at AAA facilities
• 10% off routine car maintenance
• Discounts on travel and accommodation
• Vacation planning services
• Defensive driving courses
• International driving
• DMV services

AAA membership is required to purchase AAA insurance. There are three membership levels: Classic, Plus, and Premier, each with different benefits and costs. For example, a Classic membership costs $68 per year in Florida, Georgia, and Tennessee.

Overall, AAA's roadside assistance and the additional benefits that come with membership can make its insurance policies more appealing and affordable.

AAA's insurance coverage

AAA insurance is generally only available to members, but the perks and discounts might make joining worth it. AAA offers a wide variety of insurance options, including auto, home, renters, condo, life, commercial auto, rideshare, and Mexico auto insurance.

AAA auto insurance comes from 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 offers the coverages you’d expect, such as bodily injury liability, property damage liability, uninsured/underinsured motorist, collision, and comprehensive, and others. They also offer additional optional coverages, such as rental car reimbursement and gap insurance. Coverage options can vary by location, and some types of coverage – for instance, medical payments, or MedPay – may not be available in all states.

AAA also offers a variety of discounts to its customers. Discounts can vary based on where you live, but may include a good driver discount, a AAA membership discount, a multicar discount, and a good student discount, among others.

AAA's customer service

AAA insurance is generally only available to members, but the perks and discounts might make joining worth it. AAA offers a wide variety of insurance options and other benefits, such as roadside assistance and travel planning services. The company was founded in 1902, when a few independent motor clubs joined together to create a national association.

AAA insurance comes from 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's car insurance is available through location-specific clubs throughout the country. Features of AAA car insurance policies can vary depending on where you live. AAA offers the coverages you’d expect, such as bodily injury liability, property damage liability, uninsured/underinsured motorist, collision, comprehensive, and others. They also offer additional optional coverages, such as rental car reimbursement and gap insurance. Coverage options can vary by location, and some types of coverage – for instance, medical payments, or MedPay – may not be available in all states.

There are also discounts available for AAA car insurance customers. Discounts can vary based on where you live, but may include a good driver discount, a AAA membership discount, a multicar discount, and a good student discount, among others. And since AAA sells other types of insurance – such as home, renters, and condo coverage – there may be opportunities to save by bundling coverages.

Combining a AAA membership with a car insurance policy may give policyholders access to AAA’s roadside assistance and other benefits. AAA members may be eligible for a discount on car insurance.

AAA has been in the car insurance business for more than 100 years and is frequently recognized as a top insurance service provider. Today, more than 17 million AAA members across the country have insurance policies with the organization.

AAA insurance is a good choice if you’re already a AAA member. You’ll get a discount on your auto insurance, best-in-class roadside assistance, and other perks. On the other hand, if you’re already a member of another auto club, or if you want to shop online, AAA probably isn’t right for you.

AAA sells auto insurance through regional companies that operate independently. That means each company holds its own individual customer service scores and rankings. Each company also offers different coverages and discounts, which is why it’s worth talking to a local agent to find out which company will underwrite your policy.

AAA companies for which we have data tend to perform well on customer service metrics, which is consistent with my own experience. In other words, as far as the data shows, customer service and claims with AAA insurance are solid.

AAA's insurance pricing

AAA insurance is generally only available to members, but the perks and discounts might make joining worth it. AAA offers a wide variety of insurance options, including auto, home, life, renters, condo, commercial auto, rideshare, and Mexico auto insurance. The company also offers roadside assistance and travel planning services.

AAA insurance is pretty affordable, though it’s not the cheapest you’ll find. It ranks in the second quartile in cost comparison. AAA insurance rates are higher than the national average, especially for drivers with high-risk designations. However, AAA offers a wide variety of discounts that almost anyone can get, which makes their insurance cheaper. These include discounts for being a AAA member, being an alum of certain schools, having certain factory-installed safety equipment, owning a car with approved theft prevention devices, having continuous auto insurance coverage from AAA, meeting AAA’s standards for a safe driver, earning good grades if you’re a student, having a student on your policy who keeps their car at home while they’re away at school, completing a driver training course, insuring more than one vehicle with AAA, buying multiple insurance products from AAA, paying your premium in full, paying electronically and setting up automatic payments, and being in the military.

AAA insurance is available through regional AAA clubs, and features of AAA car insurance policies can vary depending on where you live. AAA insurance products, coverages, and discounts differ depending on where you live, and you may have to change AAA insurance providers if you move states.

Frequently asked questions