Auto Club Car Insurance Review (2023)
Auto Club car insurance is available in a variety of options, whether you want full coverage or basic liability. Auto Club has mixed customer reviews, with the claim process and provided customer service both falling short. However, Auto Club has also received praise regarding affordable pricing and the coverage options offered.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
Licensed Insurance Agent
UPDATED: Oct 17, 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.
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: Oct 17, 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
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- AM Best Rating: A
- Monthly Rates From: $67-$167
- Types of Coverage: Aircraft, Auto, Commercial Auto, Earthquake, Flood, Homeowners
- Customer Service & Claims Number: 1-800-672-5246
Car insurance is an essential purchase for any car owner, providing peace of mind and financial protection in the event of an accident. However, you’ll need to know more information, such as how much more a full coverage policy would be than liability-only. With so many car insurance companies to choose from, it can be difficult to know where to start. Auto Club car insurance is a well-established insurance company that has been providing affordable car insurance options to drivers for many years. In this review, we will take a closer look at the company’s history, mission, products, discounts, and customer reviews, to help you decide if Auto Club car insurance is the right choice for you.
| Coverage Type | Auto Club | U.S. Average |
|---|---|---|
| Full Coverage | $167 | $119 |
| Minimum Coverage | $67 | $45 |
Factors Affecting Auto Club Car Insurance Costs
Auto Club car insurance offers a range of coverage options tailored to individual needs, and the cost can vary significantly depending on several factors. In this section, we’ll delve into the key factors that influence the cost of Auto Club car insurance. Understanding these factors can help you estimate what you might pay for coverage and make informed decisions about your car insurance.
The cost of Auto Club car insurance is determined by a variety of factors, and it’s important to consider these when estimating your potential premiums:
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Driving Record: Your driving history plays a significant role in determining your insurance rates. If you have a clean driving record with no accidents or traffic violations, you’re likely to receive lower rates.
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Age: Young and teenage drivers typically pay higher premiums compared to older, more experienced drivers.
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Coverage Level: The extent of coverage you choose, whether it’s full coverage or basic liability, will directly impact your premiums.
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Location: Your place of residence can influence your insurance rates. Urban areas or regions with a higher rate of accidents may have higher premiums.
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Discounts: Auto Club offers various discounts that can help reduce your premiums, such as safe driver discounts and multi-policy discounts. Eligibility for these discounts may vary by state.
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Vehicle Type: The make and model of your vehicle, as well as its age and safety features, can affect your insurance costs.
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Credit History: In some states, your credit history may also be considered when determining your insurance rates.
The cost of Auto Club car insurance is not one-size-fits-all. To get an accurate estimate of your premiums, it’s advisable to request a personalized quote that takes into account your specific circumstances and needs. Comparing quotes and exploring available discounts can help you find the most cost-effective coverage option that meets your requirements.
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Products and Services Offered by Auto Club
Auto Club car insurance provides a range of products and services to meet the needs of its customers. Here’s a closer look at what the company offers:
- Liability Coverage: This type of coverage is mandatory in most states and helps cover the cost of damage or injuries that you may cause to other people or their property while driving your car.
- Collision Coverage: This type of coverage helps pay for repairs to your car if it is damaged in a collision with another car or object.
- Comprehensive Coverage: This type of coverage helps pay for repairs to your car if it is damaged by things like theft, vandalism, or weather-related incidents.
- Personal Injury Protection (PIP): This coverage helps pay for medical expenses and other related expenses if you or your passengers are injured in a car accident.
- Roadside Assistance: Auto Club car insurance provides roadside assistance services to its customers, which can include things like towing, battery jump-starts, and fuel delivery.
- Rental Car Coverage: If your car is damaged in an accident and needs to be repaired, Auto Club car insurance provides rental car coverage to help you get back on the road while your car is in the shop.
The cost of these services can vary depending on a variety of factors, including the state you live in, the type of coverage you choose, and your driving record. Your age is also a major factor, as young and teenage drivers will pay more for car insurance than someone who is older.
Auto Club car insurance is available in the following states:
| Auto Club Car Insurance Availability by State | |||
|---|---|---|---|
| Alabama | Iowa | Nebraska | Rhode Island |
| Arizona | Kansas | Nevada | South Carolina |
| Arkansas | Kentucky | New Hampshire | South Dakota |
| California | Louisiana | New Jersey | Tennessee |
| Colorado | Maine | New Mexico | Texas |
| Connecticut | Maryland | New York | Utah |
| Delaware | Massachusetts | North Carolina | Vermont |
| Florida | Michigan | North Dakota | Virginia |
| Georgia | Minnesota | Ohio | Washington |
| Idaho | Mississippi | Oklahoma | West Virginia |
| Illinois | Missouri | Oregon | Wisconsin |
| Indiana | Montana | Pennsylvania | Wyoming |
It’s important to note that the availability of specific coverage options and discounts may vary by state. To find out more about the coverage options and discounts available in your state, you can visit the Auto Club car insurance website or speak with a representative directly.
What discounts are offered by Auto Club?
Auto Club car insurance provides a range of discounts to its customers to help them save money on their premiums. Here are some of the discounts available and how you may qualify for them:
- Multi-policy discount: If you have more than one insurance policy with Auto Club car insurance, such as home or life insurance, you may qualify for a multi-policy discount.
- Safe driver discount: If you have a good driving record with no accidents or moving violations, you may qualify for a safe driver discount. Since your driving record affects your rates, you may want to know whether or not infractions such as parking tickets will affect your car insurance.
- Good student discount: If you are a student with good grades, you may qualify for a good student discount.
- Defensive driving discount: If you have completed a defensive driving course, you may qualify for a discount on your premium.
- Anti-theft device discount: If your car is equipped with an anti-theft device, such as an alarm or a tracking system, you may qualify for a discount. Security systems often reduce car insurance rates.
- Pay-in-full discount: If you pay your premium in full at the beginning of the policy term, you may qualify for a discount.
- Loyalty discount: If you have been a customer of Auto Club car insurance for a certain number of years, you may qualify for a loyalty discount.
The eligibility requirements for these discounts may vary depending on the state you live in and the specific discount in question. To find out more about the discounts available and how you may qualify for them, you can visit the Auto Club car insurance website or speak with a representative directly.
Navigating the Claims Process With Auto Club Car Insurance
Ease of Filing a Claim
Auto Club car insurance offers multiple options for filing claims, providing flexibility and convenience to its policyholders. You can initiate the claims process through their user-friendly online platform, over the phone, or by using their dedicated mobile apps. This accessibility ensures that customers can choose the method that suits them best, making the claims process as smooth as possible.
Average Claim Processing Time
While the average claim processing time can vary depending on the complexity of the claim and other factors, Auto Club strives to handle claims promptly. To get an accurate estimate of the processing time for your specific claim, it’s advisable to contact their claims department directly.
Customer Feedback on Claim Resolutions and Payouts
Auto Club car insurance has received mixed customer feedback regarding claim resolutions and payouts. Some policyholders have reported satisfaction with the company’s responsiveness and fair compensation for their claims.
However, there have also been reports of customers facing challenges and delays in claim settlements. Before choosing Auto Club as your insurance provider, it’s essential to consider these customer experiences and assess if they align with your expectations.
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Tech-Forward Solutions: Auto Club Car Insurance’s Digital Features
Mobile App Features and Functionality
Auto Club offers a feature-rich mobile app that allows policyholders to manage their insurance needs conveniently. The app includes features such as policy access, claims filing, bill payment, and even roadside assistance requests. Its user-friendly interface and intuitive design make it easy for customers to navigate and utilize these services effectively.
Online Account Management Capabilities
Auto Club’s online account management capabilities provide policyholders with a seamless experience. Through their website, customers can access and update their policy information, view billing details, and track claims status. This digital platform empowers policyholders with the tools they need to stay informed and in control of their insurance coverage.
Digital Tools and Resources
Auto Club car insurance offers various digital tools and resources to enhance the overall customer experience. These resources may include educational materials, coverage calculators, and risk assessment tools. By providing these digital assets, Auto Club aims to assist policyholders in making informed decisions about their insurance needs.
Customer Reviews for Auto Club Car Insurance
Overall, Auto Club car insurance has received positive reviews from customers, with many praising the company’s reliable service and affordable prices. Customers also appreciate the range of discounts available, which can help them save money on their premiums. However, some customers have reported issues with claims processing or customer service, so it’s important to do your research before choosing an insurance provider.
Auto Club History and Mission
Auto Club car insurance is part of the larger Automobile Club of Southern California, which was founded in 1900 to provide roadside assistance to stranded motorists. Over the years, the company has grown to become one of the largest providers of car insurance in the United States, with a mission to provide reliable and affordable insurance options to its customers.
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Auto Club Car Insurance: In Conclusion
Auto Club car insurance is a reliable and affordable car insurance provider that offers a variety of coverage options and a range of discounts to help customers save money on their premiums. With a long-standing reputation for quality service and customer satisfaction, Auto Club car insurance may be a good choice for drivers looking for reliable and affordable car insurance coverage. However, as with any insurance provider, it’s important to research your options and compare quotes from multiple providers to find the best coverage at the best price.
Frequently Asked Questions
How much will I pay for Auto Club car insurance?
Your car insurance rates are going to be affected by things such as your driving record, your age, and where you live. Each driver is given a personalized quote based on a number of factors including these.
How can I save money on Auto Club car insurance?
Ask about potential discounts, even if you already have coverage through Auto Club. You may discover there are other discounts you qualify for that weren’t previously added to your policy.
What types of car insurance does Auto Club sell?
You can purchase full coverage, basic liability, or anything in between. What you end up paying for will depend on how much coverage you need for your vehicle.
What are the available discounts offered by Auto Club?
Auto Club provides a range of discounts such as safe driver discounts, multi-policy discounts, and more. Eligibility criteria may vary by state, so it’s best to check with Auto Club for specific details.
How can I file a claim with Auto Club car insurance?
Auto Club offers multiple options for filing claims, including their user-friendly online platform, phone, and mobile apps. The process is designed to be convenient and accessible for policyholders.
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, Finance101.com, and Forbes. As a parent herself, she under...
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.