AAA vs American Access Car Insurance for 2023
When it comes to car insurance, AAA and American Access are two of the most well-known providers in the industry. While both companies offer coverage options for drivers, there are some key differences that set them apart. AAA is known for its extensive network of roadside assistance services and exclusive member benefits, while American Access is focused on providing affordable insurance options for high-risk drivers.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
UPDATED: Mar 15, 2023
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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: Mar 15, 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
- AAA car insurance offers a wider range of insurance products and services, while American Access focuses primarily on auto insurance.
- American Access car insurance specializes in providing insurance for high-risk drivers, while AAA offers coverage for drivers of all levels of risk.
- AAA offers additional membership benefits and services beyond insurance, such as roadside assistance and travel discounts.
When it comes to choosing car insurance, it’s important to compare your options to find the best coverage and value for your needs. Two popular choices in the market are AAA and American Access. Both companies offer car insurance policies, but they differ in their products, pricing, and services. In this article, we will explore the similarities and differences between AAA and American Access car insurance offerings to help you make an informed decision.
The company’s History and Mission:
- AAA (American Automobile Association) was founded in 1902 and has been providing roadside assistance, travel, insurance, and financial services to its members for over 100 years. Their mission is to provide peace of mind and improve the safety and security of their members.
- American Access was established in 1999 and is a non-standard auto insurance provider, specializing in high-risk drivers. Their mission is to provide affordable auto insurance solutions to customers who may have difficulty obtaining coverage elsewhere.
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The main products and services they offer:
- AAA offers a wide range of insurance products, including auto, home, life, and travel insurance, as well as financial services such as banking and investment. They also provide membership benefits, such as roadside assistance, travel discounts, and DMV services.
- American Access focuses primarily on providing non-standard auto insurance to high-risk drivers. They offer liability, collision, and comprehensive coverage options, as well as SR-22 filings for customers who require proof of insurance to reinstate their driving privileges.
The cost of those services:
- AAA’s pricing varies depending on factors such as the driver’s age, location, and driving record, as well as the level of coverage selected. They offer discounts for multiple vehicles, good driving history, and bundling policies.
- American Access’s pricing is generally higher than standard auto insurance providers due to their focus on high-risk drivers. However, they offer discounts for safe driving, multiple vehicles, and loyalty.
The states where their services are offered:
- AAA operates in all 50 states and the District of Columbia.
- American Access currently provides coverage in Illinois, Indiana, Arizona, Texas, and Nevada.
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The different types of discounts available to customers:
- AAA offers discounts for multiple vehicles, good driving history, bundling policies, and student drivers.
- American Access offers discounts for safe driving, multiple vehicles, and loyalty.
Customer reviews of each company:
- AAA has generally positive customer reviews, with customers citing their reliable service, competitive pricing, and helpful membership benefits.
- American Access has mixed customer reviews, with some customers reporting issues with claims processing and customer service. However, other customers praise their affordable pricing and flexible payment options.
In conclusion, when comparing AAA and American Access car insurance offerings, it’s important to consider factors such as the companies’ history, products and services, pricing, discounts, and customer reviews. While AAA offers a wider range of insurance and membership options, American Access specializes in providing affordable coverage for high-risk drivers. By evaluating your needs and priorities, you can make an informed decision on which company is the best fit for you.
FAQ
Q: What types of coverage options do AAA and American Access offer?
A: AAA and American Access offer a range of coverage options for drivers, including liability, collision, comprehensive, and personal injury protection. However, American Access also offers additional coverage options such as uninsured motorist coverage, rental reimbursement, and roadside assistance. AAA is known for its extensive network of roadside assistance services, which is a key differentiator for the company.
Q: How do the pricing and discounts of AAA and American Access car insurance compare?
A: The pricing of car insurance policies from AAA and American Access varies depending on factors such as the driver’s age, driving history, location, and the type of coverage selected. However, both companies offer a range of discounts to help drivers save money on their premiums. For example, AAA offers discounts for safe driving, bundling multiple policies, and being a member of their organization. American Access offers discounts for safe driving, multiple policies, and having safety features on a vehicle.
Q: What is the customer service like with AAA and American Access car insurance?
A: AAA is known for its excellent customer service, with a 24/7 customer service hotline and a large network of local offices where drivers can get help in person. American Access also offers customer service through a phone hotline and online portal. However, American Access has had some negative customer reviews regarding their claims process and customer service. In contrast, AAA has consistently ranked highly in customer satisfaction surveys conducted by organizations such as J.D. Power and Consumer Reports. Additionally, AAA offers a mobile app that allows drivers to access their policies, file claims, and receive roadside assistance.
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Melanie Musson
Published Insurance Expert
Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...
Published Insurance Expert
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.