AAA vs Home State Car Insurance for 2023
When it comes to car insurance, there are many providers to choose from. Two popular options are AAA and Home State car insurance. While both companies offer car insurance policies, they differ in their approach, services, and coverage options. AAA is a membership-based organization that provides a range of services to its members, including roadside assistance, travel planning, and insurance. Home State is a regional insurance provider that specializes in providing coverage 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.
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When it comes to purchasing car insurance, consumers want to make sure they are getting the best coverage for the best price. Two popular insurance companies that offer car insurance are AAA and Home State. In this article, we will compare the two companies and provide you with the information you need to make an informed decision about which company to choose. Read on to learn more about each company’s history, mission, products and services, pricing, discounts, customer reviews, and more.
Interesting Attributes:
Before we dive into the details, let’s highlight three interesting attributes of each company:
- Known for its roadside assistance program, which provides 24/7 assistance to members who experience car trouble.
- Offers a mobile app that allows users to manage their policies, request roadside assistance, and access discounts and rewards.
- Provides a range of additional insurance products, such as homeowners, renters, and life insurance.
- Offers a unique “Pay-As-You-Drive” program, which bases premiums on actual miles driven.
- Provides a variety of discounts, such as for good driving habits, multi-car policies, and driver training courses.
- Offers a convenient online quote tool that allows users to quickly and easily obtain a personalized quote.
Company History and Mission:
AAA Car Insurance: AAA, also known as the American Automobile Association, was founded in 1902 with the mission of advocating for the rights and safety of motorists. Today, AAA serves more than 60 million members across North America, providing a wide range of products and services to help them stay safe and protected on the road. In addition to car insurance, AAA offers travel planning, banking services, and discounts on a variety of products and services.
Home State Car Insurance: Home State Insurance Group was founded in 1948 and is headquartered in Texas. The company’s mission is to provide affordable insurance solutions that meet the needs of its customers. Home State offers a variety of insurance products, including auto, home, renters, and commercial insurance, as well as specialty products such as motorcycle and boat insurance.
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Products and Services:
AAA Car Insurance: AAA offers a range of car insurance products to meet the needs of its customers, including liability coverage, collision coverage, and comprehensive coverage. In addition, AAA offers a variety of additional insurance products, such as homeowners, renters, and life insurance. AAA also provides roadside assistance services to its members, which includes 24/7 assistance for things like flat tires, dead batteries, and lockouts.
The cost of AAA car insurance varies depending on factors such as age, driving record, and location. In general, AAA car insurance tends to be more expensive than some other insurance providers, but it also offers a range of benefits that may make it worth the cost.
Home State Car Insurance: Home State offers a variety of car insurance products, including liability coverage, collision coverage, and comprehensive coverage. The company also offers a unique “Pay-As-You-Drive” program, which bases premiums on actual miles driven, making it a good option for people who don’t drive very much.
The cost of Home State car insurance varies depending on factors such as age, driving record, and location. In general, Home State car insurance tends to be more affordable than some other insurance providers, especially for people who drive fewer miles.
Discounts:
Home State offers a variety of discounts to its customers. The company’s goal is to provide the best possible rates to its customers while also offering high-quality coverage. Some of the discounts offered by Home State include:
- Safe driver discounts: Customers who have a good driving record and have completed a driver safety course may be eligible for discounts on their insurance premiums.
- Multi-car discounts: Customers who insure more than one car with Home State can receive a discount on their premiums.
- Good student discounts: Students who maintain a B average or better may be eligible for a discount on their car insurance premiums.
- Anti-theft discounts: Customers who have an anti-theft device installed in their car may be eligible for a discount on their insurance premiums.
- Military discounts: Active-duty military personnel may be eligible for discounts on their car insurance premiums.
Customer Reviews
Home State has generally positive customer reviews online, with many customers praising the company’s customer service and competitive rates. Customers also appreciate the variety of discounts offered by the company. However, some customers have reported issues with claims processing and billing.
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FAQs
Q: Does Home State offer roadside assistance?
A: Yes, Home State offers roadside assistance as part of its coverage options.
Q: How do I qualify for discounts with Home State?
A: Customers can qualify for discounts with Home State by maintaining a good driving record, insuring multiple vehicles with the company, installing an anti-theft device, and maintaining a good student record, among other things.
Q: What states does Home State offer coverage in?
A: Home State offers coverage in several states across the United States, including California, Arizona, Texas, and Oregon.
Q: Can I manage my policy online?
A: Yes, Home State offers an online portal where customers can manage their policies, make payments, and file claims.
Conclusion
When it comes to car insurance, it’s important to choose a company that offers competitive rates, reliable coverage, and excellent customer service. Both AAA and Home State are well-established insurance companies with a strong reputation in the industry. While AAA may be a more well-known brand, Home State offers a variety of coverage options and discounts that may be appealing to customers looking to save money on their car insurance premiums.
Ultimately, the decision between AAA and Home State will depend on the individual customer’s needs and priorities. It’s important to compare rates and coverage options from both companies in order to make an informed decision. By doing so, customers can feel confident that they are getting the best possible car insurance coverage at an affordable price.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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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.