AAA Car Insurance Review for 2024
Looking for reliable car insurance from AAA? Learn about coverage options, discounts, and customer service in our comprehensive AAA Car Insurance Review.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
UPDATED: Oct 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Oct 17, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- AM Best Rating: A
- Monthly Rates From: $169-$459
- Types of Coverage: Aircraft, Auto, Commercial Auto, Earthquake, Flood, Homeowners
- Customer Service & Claims Number: 1-800-222-4357
AAA, also known as the American Automobile Association, is a federation of motor clubs that primarily serves members with roadside assistance and other travel-related services. But did you know that AAA also offers car insurance?
In this article, we will take a closer look at AAA car insurance, including coverage options, discounts, pricing, and customer service. By the end of this article, you’ll have a better understanding of whether AAA car insurance is the right fit for you and how to compare car insurance companies.
When it comes to car insurance, AAA is perhaps best known for its roadside assistance services. However, the organization also offers a range of insurance options for its members, including liability, collision, comprehensive, and personal injury protection (PIP) coverage.
AAA Insurance Average Monthly Rates vs U.S. Average
| Coverage Type | AAA | U.S. Average |
|---|---|---|
| Full Coverage | $459 | $119 |
| Minimum Coverage | $169 | $45 |
Factors Influencing AAA Car Insurance Costs
Understanding the cost of car insurance is a crucial factor for every driver. In this section, we will delve into the coverage cost of AAA Car Insurance. Please keep in mind that the cost of car insurance can vary significantly from one person to another due to various personal factors. However, here’s an overview of the factors that influence the cost and the potential ways to save on your AAA car insurance premiums.
- Coverage Type: The type of coverage you choose will have a significant impact on your premiums. AAA offers a range of coverage options, from liability to comprehensive, and the more extensive your coverage, the higher the cost.
- Driving History: Your driving record plays a crucial role in determining your insurance costs. Safe drivers with a clean record typically pay lower premiums, while those with accidents or violations may face higher rates.
- Vehicle Make and Model: The car you drive is a factor in the cost of insurance. More expensive or high-performance vehicles often result in higher premiums.
- Location: Your location can affect your insurance rates. Urban areas with higher accident rates may have higher premiums than rural areas.
- Age and Gender: Younger drivers, especially teenagers, and males, tend to have higher insurance costs.
In conclusion, understanding the factors that influence AAA Car Insurance costs is essential for any driver looking to make informed decisions about their coverage. It’s important to remember that while these factors play a significant role in determining your premiums, the cost of car insurance can vary greatly from one individual to another.
Your coverage type, driving history, vehicle make and model, location, age, and gender all contribute to the final price you pay for your insurance.
Ways to Save on AAA Car Insurance Premiums
While insurance costs are influenced by these factors, there are ways to potentially reduce your premiums:
- Bundle Policies: Consider bundling your car insurance with other insurance policies like home or renters’ insurance for potential discounts.
- Good Driver Discounts: Maintain a clean driving record to qualify for good driver discounts.
- Safety Features: Equipping your car with safety features like anti-theft devices or anti-lock brakes can lead to discounts.
- Annual Review: Regularly review your policy and coverage to ensure you have the right amount of coverage for your needs.
The cost of AAA Car Insurance is influenced by multiple factors, and it’s important to assess your unique circumstances to determine your specific premiums. By understanding these factors and exploring potential discounts, you can make informed decisions to manage your car insurance costs effectively. Always consult with AAA or an insurance agent to get a personalized quote and explore ways to save on your coverage.
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AAA Car Insurance Coverage Options
AAA offers a variety of car insurance coverage options to meet the needs of its members. These include liability, collision, comprehensive, and personal injury protection (PIP) coverage. Liability coverage is the minimum amount of insurance required by law in most states and covers damages or injuries that you may cause to another driver or their property in an accident.
Collision coverage pays for damages to your own vehicle in the event of an accident, regardless of who is at fault. Comprehensive coverage pays for damages to your vehicle from non-collision events, such as theft, vandalism, or natural disasters. PIP coverage, also known as medical payments coverage, pays for medical expenses and lost wages in the event of an accident.
AAA Car Insurance Discounts
AAA members may qualify for additional discounts when purchasing car insurance. These can include good driver discounts, multiple policy discounts, and safety device discounts. AAA also offers a variety of discounts for teens and young drivers. For example, teens who maintain good grades may qualify for a discount on their car insurance.
AAA Car Insurance Claims Process
Ease of Filing a Claim (Online, Over the Phone, Mobile Apps)
AAA offers its members multiple convenient ways to file insurance claims. They can file claims online through the AAA website or mobile app, making the process quick and accessible. Additionally, claims can be submitted over the phone, ensuring that members have flexibility in choosing their preferred method of reporting incidents.
Average Claim Processing Time
AAA is committed to providing efficient service to its members when it comes to claims processing. While the exact processing time may vary depending on the complexity of the claim and other factors, AAA aims to handle claims promptly to ensure that members receive the assistance they need in a timely manner.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback on AAA’s claim resolutions and payouts is generally positive. AAA’s dedication to customer service and its extensive network of service providers contribute to members’ satisfaction with their claim resolutions. AAA strives to ensure that members receive fair and prompt settlements for their claims, which is reflected in the positive feedback it receives.
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Digital and Technological Features of AAA Car Insurance
Mobile App Features and Functionality
AAA offers a comprehensive mobile app that provides a range of features and functionalities. Members can use the app to access their insurance information, make payments, file claims, and request roadside assistance. The app is user-friendly and designed to enhance the overall customer experience, making it convenient for members to manage their insurance needs on the go.
Online Account Management Capabilities
AAA’s online account management capabilities are robust and user-friendly. Members can log in to their accounts on the AAA website to review policy details, make changes to their coverage, and access important documents. This online platform allows for seamless management of insurance policies, providing members with easy access to essential information.
Digital Tools and Resources
In addition to its mobile app and online account management capabilities, AAA provides various digital tools and resources to assist members in understanding their insurance coverage and making informed decisions.
These resources may include educational materials, coverage calculators, and information on discounts and policy options. AAA’s commitment to offering digital tools enhances its members’ ability to navigate the insurance landscape effectively.
Customer Reviews for AAA Car Insurance
Numerous satisfied policyholders have lauded AAA Car Insurance for its responsive customer service, seamless claims processing, and wide array of coverage options. Many noted the convenience of the mobile app, which allowed them to manage their policies and file claims with ease.
Members particularly appreciated the accessibility of online account management and digital tools, which made navigating insurance options a straightforward process. AAA’s commitment to fair and prompt claim resolutions received praise, with customers expressing satisfaction with the efficiency of the claims processing.
This positive feedback aligns with AAA’s mission to assist and advocate for motorists and travelers, highlighting the organization’s dedication to delivering quality insurance services.
AAA Car Insurance History and Mission
The American Automobile Association (AAA) is a federation of motor clubs with a rich history dating back to the early 20th century. Founded in 1902, AAA initially served its members by providing reliable maps and roadside assistance services. Over the years, it evolved into a comprehensive organization offering a wide range of travel-related services, including the iconic “Triptiks,” which were personalized route planners for travelers.
Today, AAA continues to uphold its founding mission of assisting and advocating for motorists and travelers. With a focus on safety, convenience, and reliable support, AAA is not only known for its roadside assistance but also for its commitment to providing insurance solutions.
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AAA Car Insurance vs Other Companies
- AAA vs Alfa Mutual
- AAA vs Allstate
- AAA vs American Access
- AAA vs American Family
- AAA vs American National
- AAA vs Ameriprise Financial
- AAA vs Amica
- AAA vs Auto Club
- AAA vs Auto-Owners
- AAA vs Century
- AAA vs Chubb
- AAA vs Cincinnati Insurance
- AAA vs Country Financial
- AAA vs Erie
- AAA vs Farm Bureau
- AAA vs Farmers
- AAA vs Geico
- AAA vs Grange
- AAA vs Home State
- AAA vs Horace Mann
- AAA vs Kemper
- AAA vs Kentucky Farm Bureau
- AAA vs Liberty Mutual
- AAA vs Loya
- AAA vs Markel Corporation
- AAA vs Mercury
- AAA vs MetLife
- AAA vs Michigan Farm Bureau
- AAA vs National General
- AAA vs Nationwide
- AAA vs NJM Insurance
- AAA vs North Carolina Farm Bureau
- AAA vs Plymouth Rock
- AAA vs Progressive
- AAA vs Safeco
- AAA vs Safety Insurance
- AAA vs Sentry Insurance
- AAA vs Shelter Insurance
- AAA vs Southern Farm Bureau
- AAA vs State Auto
- AAA vs State Farm
- AAA vs Tennessee Farm Bureau
- AAA vs Texas Farm Bureau
- AAA vs The Hanover
- AAA vs The Hartford
- AAA vs Travelers
- AAA vs USAA
- AAA vs Wawanesa Mutual
- AAA vs Lemonade
- AAA vs Root
- AAA vs Clearcover
AAA Customer Service
AAA offers 24/7 customer service to its members. This includes emergency roadside assistance, as well as assistance with filing claims and answering questions about coverage. AAA also has a mobile app that allows members to access their insurance information and request roadside assistance from their smartphones.
In conclusion, AAA car insurance may be a good fit for members who are looking for reliable coverage and additional discounts. It’s important to keep in mind that AAA car insurance policies are underwritten by various insurance providers and may vary by state. To find the right policy for you, you should compare quotes and consider your specific needs.
Frequently Asked Questions
What types of car insurance coverage does AAA offer?
AAA offers various coverage options, including liability (mandatory in most states), collision (for damages to your vehicle), comprehensive (for non-collision events like theft), and personal injury protection (PIP) coverage.
Are there any discounts available for AAA car insurance members?
Yes, AAA offers discounts for good drivers, multiple policies, safety devices, and even academic achievements (such as good grades for teens). These discounts can significantly reduce your insurance premiums.
How is the cost of AAA car insurance determined?
The cost of AAA car insurance depends on factors like coverage type, driving record, and your vehicle’s make/model. AAA members might save money by bundling their car insurance with other services like roadside assistance or travel insurance.
What kind of customer service does AAA car insurance provide?
AAA offers 24/7 customer service, including emergency roadside assistance and support with claims filing. They also have a user-friendly mobile app for convenient access to insurance information and roadside assistance requests.
How easy is it to file a claim with AAA car insurance, and what is the average processing time?
AAA provides multiple convenient methods for filing claims, including online through their website or mobile app, as well as over the phone. The processing time varies based on the complexity of the claim but AAA aims to handle claims promptly to assist members efficiently.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about insurance when he got his first policy for his own family. He has been featured as an insurance expert speaker at agent conventions and in top publications. As an independent licensed insurance agent, he has helped clients nationwide to secure affordable coverage while making the process simpl...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.