AAA vs Cincinnati Insurance Car Insurance for 2023

If you’re in the market for car insurance, you’ve likely come across both AAA and Cincinnati Car Insurance. Both companies offer comprehensive coverage at competitive rates, but which one is the right fit for you? In this article, we’ll take a closer look at AAA and Cincinnati Car Insurance, comparing and contrasting their products, services, and customer reviews to help you make an informed decision.

Here are three key attributes of both AAA and Cincinnati Car Insurance:

• AAA car insurance is a national brand with over 60 million members across the country, while Cincinnati Car Insurance is a regional carrier focused on serving customers in Ohio, Kentucky, and Indiana.
• AAA is known for its roadside assistance services, which come standard with most of its auto insurance policies. Cincinnati Car Insurance, on the other hand, offers a range of optional add-ons, including rental car coverage and accident forgiveness.
• Both companies offer a variety of discounts to help customers save on their premiums, but the types of discounts and eligibility requirements differ between the two.

Now, let’s dive deeper into each company’s history, products and services, discounts, and customer reviews.

AAA History and Mission

AAA, also known as the American Automobile Association, has been providing roadside assistance, travel services, and insurance products to members since 1902. Today, AAA is one of the largest and most well-known insurance providers in the country, with a mission to provide “peace of mind, total satisfaction, and exceptional value” to its members.

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Products and Services

AAA offers a wide range of insurance products, including auto, home, renters, and life insurance. Its auto insurance policies come with a range of standard features, including liability coverage, collision coverage, and comprehensive coverage. In addition, most AAA policies include roadside assistance services, such as tire changes, fuel delivery, and towing.

AAA’s auto insurance policies are available in all 50 states, and the cost of coverage varies depending on a range of factors, such as your age, driving history, and the make and model of your vehicle.

Discounts offered by AAA insurance

AAA offers a variety of discounts to help customers save on their auto insurance premiums. These include:

• Multi-policy discount: Save up to 25% when you bundle your auto insurance policy with another AAA insurance product.
• Good student discount: Save up to 14% if you or your child maintains a B average or higher in school.
• Safe driver discount: Save up to 20% if you’ve gone five years without an accident or major violation.

Customer Reviews of AAA insurance

AAA has generally positive reviews from customers, with many praising its roadside assistance services and helpful customer service. However, some customers have reported issues with claims processing and rate increases.

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Cincinnati Car Insurance History and Mission

Cincinnati Car Insurance, also known as The Cincinnati Insurance Company, has been providing insurance products to customers since 1950. Based in Ohio, Cincinnati Car Insurance is a regional carrier that operates in Ohio, Kentucky, and Indiana, with a mission to “provide the peace of mind that comes from knowing you have the right coverage at the right price.”

Products and Services

Cincinnati Car Insurance offers a range of insurance products, including auto, home, and business insurance. Its auto insurance policies come with a variety of options, including liability coverage, collision coverage, and comprehensive coverage, as well as optional add-ons like rental car coverage and accident forgiveness.

Cincinnati Car Insurance’s auto insurance policies are only available in Ohio, Kentucky, and Indiana, and the cost of coverage varies depending on a range of factors, such as your age, driving history, and the make and model of your vehicle.

Discounts offered by AAA insurance

Cincinnati Car Insurance offers a variety of discounts to help customers save on their auto insurance premiums. These include:

• Multi-policy discount: Save up to 25% when you bundle your auto insurance policy with another Cincinnati insurance product.
• Safe driver discount: Save up to 15% if you’ve gone three years without an accident or major violation.
• Good student discount: Save up to 25% if you or your child maintains a B average or higher in school.

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Customer Reviews

Cincinnati Car Insurance has generally positive reviews from customers, with many praising its competitive rates and helpful customer service. However, some customers have reported issues with claims processing and difficulty reaching customer service representatives.

AAA vs Cincinnati Car Insurance: Which is Right for You?

So, which car insurance company is the right fit for you? Ultimately, the answer will depend on a range of factors, such as where you live, your driving history, and your budget. Here are a few key takeaways to consider:

• AAA may be the better choice if you’re looking for a national brand with a strong reputation for roadside assistance services.
• Cincinnati Car Insurance may be the better choice if you’re looking for a regional carrier with competitive rates and a range of optional add-ons.
• Both companies offer a variety of discounts to help you save on your premiums, so be sure to ask about eligibility requirements and available discounts.

FAQ

Q: How do I get a quote from AAA or Cincinnati Car Insurance?

A: To get a quote from AAA, visit the AAA website or call a local AAA agent. To get a quote from Cincinnati Car Insurance, visit the Cincinnati Insurance website or contact a local Cincinnati Insurance agent.

Q: Do AAA and Cincinnati Car Insurance offer roadside assistance?

A: Yes, AAA includes roadside assistance services with most of its auto insurance policies. Cincinnati Car Insurance offers roadside assistance as an optional add-on.

Q: Can I bundle my auto insurance policy with other insurance products?

A: Yes, both AAA and Cincinnati Car Insurance offer multi-policy discounts for customers who bundle their auto insurance policy with another insurance product.

Q: What discounts are available for safe drivers?

A: Both AAA and Cincinnati Car Insurance offer discounts for safe drivers who have gone a certain number of years without an accident or major violation.

Q: How do I qualify for a good student discount?

A: To qualify for a good student discount, you or your child must maintain a B average or higher in school.

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