AAA vs Auto Club Car Insurance for 2023

Are you in the market for car insurance and wondering whether AAA or Auto Club is the right choice for you? Both companies have a reputation for providing excellent coverage and customer service, but there are some key differences that you should be aware of before making your decision. In this article, we’ll compare AAA and Auto Club car insurance, covering everything from their history and mission to the discounts available to customers.

Here are three bullet points to keep in mind as you read:

• AAA car insurance has been around for over 100 years and offers a wide range of services in addition to car insurance, including travel planning and roadside assistance.
• Auto Club car insurance is a newer player in the insurance industry, but they offer a number of discounts that may make them a more affordable option for some drivers.
• Both companies and claims handling, making them both solid choices for car insurance.

Introduction: Why Compare AAA and Auto Club Car Insurance?

When it comes to car insurance, there are a lot of options out there. But two companies that stand out are AAA and Auto Club. Both have a reputation for providing quality coverage and service, but they also have their own unique strengths and weaknesses. By comparing the two, you’ll be able to make an informed decision about which one is the best fit for your needs. So, let’s dive in and explore what each company has to offer.

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Company History and Mission

AAA, or the American Automobile Association, has been around for over 100 years. It was founded in 1902 with the goal of promoting and improving automotive travel, and it has since grown to become one of the largest membership organizations in the country. Today, AAA offers a wide range of services to its members, including travel planning, roadside assistance, and car insurance.

Auto Club, on the other hand, is a newer player in the insurance industry. It was founded in 1999 as a subsidiary of the Auto Club Group, which is a federation of motor clubs throughout North America. The company’s mission is to provide high-quality insurance products and services to its customers while maintaining a strong commitment to safety and sustainability.

Products and Services

When it comes to car insurance, both AAA and Auto Club offer a range of coverage options to fit different needs and budgets. These include liability coverage, collision coverage, and comprehensive coverage, as well as additional options like rental car reimbursement and roadside assistance.

In terms of cost, both companies offer competitive rates, but the exact cost of your policy will depend on a number of factors, including your driving history, the type of car you drive, and the level of coverage you choose. It’s worth noting that AAA also offers discounts to members, which can help lower the cost of your premium.

When it comes to states where their services are offered, AAA is available in all 50 states, while Auto Club is currently only available in a handful of states, including Illinois, Indiana, and Minnesota.

Discounts

One of the biggest factors that can influence your decision between AAA and Auto Club is the discounts that each company offers. Both companies provide a range of discounts to help make car insurance more affordable, but the specifics of these discounts can vary.

AAA offers a number of discounts to members, including:

• Multi-policy discount: Save up to 25% when you bundle your car insurance with other types of insurance, like home or renters insurance.
• Good driver discount: Save up to 20% if you have a clean driving record for a certain period of time.
• Multi-vehicle discount: Save up to 27% when you insure two or more vehicles with AAA.

Auto Club, on the other hand, offers a number of discounts that may be more appealing to some drivers, including:

• Accident forgiveness: This discount ensures that your rates won’t go up after your first accident.
• Low mileage discount: Save money if you don’t drive your car very often.
• Student discount: Save up to 20% if you’re a student with good grades.

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Customer Reviews

When it comes to customer satisfaction, both AAA and Auto Club have received high ratings from their customers. According to J.D. Power’s 2021 U.S. Auto Insurance Study, AAA received an overall satisfaction score of 868 out of 1000, while Auto Club received a score of 866 out of 1000. Both companies received high marks for customer service and claims handling.

In conclusion, both AAA and Auto Club are reputable auto insurance companies that offer similar products and services to their customers. While they have their differences, they both offer competitive rates and discounts to their customers. When considering which insurance company to choose, it’s important to compare quotes and read reviews from other customers to determine which company is the best fit for your needs.

FAQ

Q: Does AAA offer roadside assistance?
A: Yes, AAA offers roadside assistance as an add-on to their car insurance policy. They also offer standalone roadside assistance memberships.

Q: What discounts does Auto Club offer?
A: Auto Club offers a variety of discounts to their customers, including safe driver discounts, multi-policy discounts, multi-vehicle discounts, good student discounts, and more.

Q: How do I qualify for a safe driver discount?
A: To qualify for a safe driver discount, you typically need to have a good driving record with no accidents or traffic violations for a certain period of time.

Q: Does AAA offer coverage in all 50 states?
A: Yes, AAA has clubs in all 50 states.

Q: How do I file a claim with Auto Club?
A: You can file a claim with Auto Club by calling their claims department or filing a claim online through their website.

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