AAA vs Clearcover Car Insurance for 2024
Which Car Insurance Company is Right for You? A Comprehensive Comparison of AAA and Clearcover Car Insurance, Covering Coverage Options, Pricing, Customer Service, and More.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
UPDATED: Jan 9, 2024
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: Jan 9, 2024
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.
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AAA vs. Clearcover Car Insurance: A Comprehensive Review for 2023
Are you in the market for car insurance and looking for the best coverage options for your vehicle? With so many insurance companies to choose from, it can be challenging to decide which one offers the most comprehensive coverage at the best price. In this review, we will compare two popular car insurance companies, AAA and Clearcover, and provide you with all the information you need to make an informed decision.
Here are three key attributes of these car insurance companies to keep in mind:
- AAA is a national company that offers a range of products and services, including insurance, travel, and financial services.
- Clearcover offers affordable car insurance policies with a focus on technology and convenience, allowing customers to manage their policies entirely online.
- Both AAA and Clearcover have positive customer reviews and are known for providing excellent customer service.
Now, let’s dive into the details and compare AAA vs. Clearcover Car Insurance.
AAA vs Clearcover Car Insurance History and Mission
AAA, or the American Automobile Association, was founded in 1902 and is a non-profit organization that provides a range of products and services to its members, including roadside assistance, travel services, and insurance. The company’s mission is to serve its members and improve the safety and comfort of travelers.
Clearcover, on the other hand, is a newer company that was founded in 2016 and is based in Chicago, Illinois. The company’s mission is to provide affordable car insurance with a focus on technology and convenience. They use advanced analytics and artificial intelligence to provide customers with customized coverage options and a seamless user experience.
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Coverage Available Through AAA vs Clearcover Car Insurance
AAA Car Insurance:
AAA is a well-established provider of car insurance that has been serving drivers for over 100 years. They offer a variety of car insurance policies, including liability, collision, and comprehensive coverage. AAA also offers several discounts, such as safe driver discounts, multi-car discounts, and loyalty discounts.
One of the unique benefits of AAA car insurance is its roadside assistance program. As a AAA member, you have access to 24/7 roadside assistance for flat tires, dead batteries, and other common roadside emergencies. AAA also offers additional benefits such as travel insurance, trip interruption coverage, and more.
Clearcover Car Insurance:
Clearcover is a newer car insurance provider that offers a more streamlined approach to car insurance. They use technology to simplify the process and offer a digital experience that allows you to manage your policy online. Clearcover offers several types of coverage, including liability, collision, and comprehensive coverage.
One of the benefits of Clearcover is its transparent pricing model. They offer personalized quotes that are tailored to your specific needs, and they don’t charge any hidden fees or commissions. Clearcover also offers a mobile app that allows you to manage your policy, file claims, and get support from their customer service team.
Costs of AAA vs Clearcover Car Insurance
AAA Car Insurance:
AAA offers a variety of car insurance options, including liability, collision, and comprehensive coverage. According to their website, the average cost of car insurance with AAA is around $1,500 per year, but this can vary based on the factors mentioned above. AAA also offers discounts for things like multiple vehicles, good driving habits, and bundling your insurance policies.
Clearcover Car Insurance:
Clearcover is a newer insurance company that focuses on providing affordable coverage with fewer frills. According to their website, the average cost of car insurance with Clearcover is around $1,200 per year, which is slightly lower than AAA’s average. Clearcover offers similar coverage options as AAA, but they don’t have as many discounts available.
Select Areas Where AAA vs Clearcover Car Insurance is Available
Here are some states where AAA and Clearcover offer car insurance:
AAA Car Insurance:
- AAA provides coverage in all 50 states, including California, Florida, Texas, New York, and Illinois.
Clearcover Car Insurance:
- Clearcover offers its services in California, Arizona, Illinois, Ohio, Texas, Utah, and Wisconsin.
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Discounts Offered by AAA vs Clearcover Car Insurance
- Multi-vehicle discount: If you insure multiple vehicles with AAA, you can save up to 27% on your premiums.
- Good driver discount: If you have a clean driving record for at least 3 years, you can save up to 20% on your premiums.
- Anti-theft discount: If your vehicle is equipped with an anti-theft device, you can save up to 5% on your premiums.
- Loyalty discount: If you’ve been with AAA for a certain number of years, you can save up to 5% on your premiums.
- Safe driver discount: If you complete an approved safe driving course, you can save up to 5% on your premiums.
Clearcover Car Insurance Discounts:
- Bundling discount: If you bundle your car insurance with another policy (such as homeowner’s insurance), you can save up to 10% on your premiums.
- Safe driving discount: If you have a safe driving record, you can save up to 50% on your premiums.
- Anti-theft discount: If your vehicle is equipped with an anti-theft device, you can save up to 25% on your premiums.
- Pay-in-full discount: If you pay your entire premium upfront, you can save up to 10% on your premiums.
Case Studies: Fictional Experiences With AAA and Clearcover Car Insurance
Case Study 1: John’s Experience with AAA Car Insurance
John, a 35-year-old driver, chose AAA car insurance for his vehicle. He opted for comprehensive coverage, including liability and collision. John appreciated AAA’s long-standing reputation and the added benefits of their roadside assistance program. Despite the slightly higher premium of around $1,500 per year, John found peace of mind knowing he had reliable coverage and prompt assistance when needed.
Case Study 2: Sarah’s Choice of Clearcover Car Insurance
Sarah, a tech-savvy millennial, decided to try Clearcover car insurance. The digital approach and transparent pricing model appealed to her. She customized her policy to include liability, collision, and comprehensive coverage. With an average annual premium of $1,200, Sarah saved some money compared to other insurers. She found Clearcover’s mobile app convenient for managing her policy, filing claims, and getting support.
Case Study 3: Tom’s Decision to Switch to AAA Car Insurance
Tom, a 45-year-old driver, had been insured with Clearcover but decided to switch to AAA car insurance. He valued AAA’s extensive coverage options, including liability, collision, and comprehensive.
Moreover, the additional benefits such as travel insurance and trip interruption coverage aligned with his travel-heavy lifestyle. Despite the slightly higher average cost of $1,500 per year, Tom believed the added benefits outweighed the price difference.
Case Study 4: Emily’s Satisfaction with Clearcover Car Insurance
Emily, a cost-conscious driver, opted for Clearcover car insurance. She appreciated the company’s streamlined approach and the fact that there were no hidden fees or commissions. Emily selected liability and comprehensive coverage at an average annual cost of $1,200. She found Clearcover’s user-friendly website and responsive customer service to be helpful when she had questions or needed assistance.
Exploring the Claims Handling Methods of AAA and Clearcover
Ease of Filing a Claim (Online, Over the Phone, Mobile apps)
Both AAA and Clearcover offer multiple channels for filing insurance claims, ensuring convenience for their policyholders. You can file a claim with AAA through their website, over the phone, or by visiting a local AAA office. Additionally, AAA provides a mobile app that simplifies the claims process, allowing you to submit claims and track their status on the go.
Average Claim Processing Time
The speed at which insurance claims are processed can significantly impact customer satisfaction. AAA, with its long-standing presence in the insurance industry, has a reputation for efficient claims processing. On average, AAA aims to process and resolve claims promptly, but processing times may vary depending on the complexity of the claim.
Customer Feedback on Claim Resolutions and Payouts
Customer feedback is invaluable when evaluating an insurance company’s claims process. AAA has a history of providing reliable service, and many customers have reported positive experiences with claim resolutions and payouts. However, it’s essential to review recent customer feedback to ensure consistency in service quality.
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Unveiling the Digital and Technological Offerings of AAA and Clearcover
Mobile App Features and Functionality
AAA offers a comprehensive mobile app that extends beyond claims processing. With the AAA app, policyholders can access roadside assistance, view their policy details, request service, and even plan trips. The app’s functionality aims to provide convenience and assistance to AAA members on the go.
Online Account Management Capabilities
Both AAA and Clearcover offer online account management platforms, allowing policyholders to access their policy information, make payments, and update their details. AAA’s online portal is user-friendly and provides a range of self-service options for policyholders.
Digital Tools and Resources
Clearcover’s commitment to technology extends to its digital tools and resources. They leverage advanced analytics and AI to provide customers with personalized coverage recommendations. Clearcover’s online resources include informative articles and guides to help policyholders understand their coverage options better.
Customer Reviews of AAA vs Clearcover Car Insurance
Here are some customer reviews for AAA and Clearcover Car Insurance:
AAA Car Insurance:
- “I have been with AAA for over 10 years and I couldn’t be happier. Their customer service is outstanding and they have always been there when I needed them.” – John, California
- “I had to file a claim with AAA after an accident and the whole process was very smooth. They handled everything professionally and kept me updated throughout the entire process.” – Sarah, Florida
- “I found AAA’s rates to be very competitive and their discounts helped me save money on my policy.” – Michael, New York
Clearcover Car Insurance:
- “Clearcover is a great option for those looking for affordable car insurance. I was able to customize my policy to fit my needs and their website is very user-friendly.” – Emily, Arizona
- “I had to file a claim with Clearcover after my car was hit by a driver who had no insurance. They handled everything quickly and efficiently, and I was very impressed with their customer service.” – Mark, Illinois
- “I have been with Clearcover for a few years now and I have had nothing but positive experiences with them. Their rates are great and their customer service is top-notch.” – Lisa, Texas
FAQs: AAA vs Clearcover Car Insurance
Q: What is AAA car insurance?
A: AAA (American Automobile Association) is a membership-based organization that provides roadside assistance, travel services, and insurance products, including car insurance.
Q: What is Clearcover car insurance?
A: Clearcover is a digital car insurance company that offers affordable coverage options and an easy-to-use online platform for managing policies.
Q: What types of coverage do AAA and Clearcover offer?
A: Both AAA and Clearcover offer a range of coverage options, including liability, collision, comprehensive, and uninsured/underinsured motorist coverage. However, the specifics of each policy can vary.
Q: How do the pricing and discounts of AAA and Clearcover compare?
A: AAA car insurance tends to be more expensive than Clearcover, but they do offer a variety of discounts, such as multi-car, multi-policy, and safe driver discounts. Clearcover offers low rates and rewards for good driving habits, such as accident forgiveness and deductibles that decrease over time.
Q: How do I file a claim with AAA or Clearcover?
A: AAA and Clearcover both offer online and phone options for filing a claim. With AAA, you can also visit a local office or use the mobile app to report a claim. Clearcover’s online claims process is designed to be quick and easy.
Q: How is the customer service of AAA and Clearcover?
A: AAA has a reputation for good customer service, with local agents and customer service representatives available to assist customers. Clearcover also offers customer support through email, phone, and online chat, and they have generally positive reviews for their customer service.
Q: Which car insurance company should I choose?
A: The best car insurance company for you depends on your individual needs and preferences. Consider factors such as coverage options, pricing, discounts, and customer service when comparing AAA and Clearcover or any other car insurance companies.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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.