AAA Car Insurance Review

In our AAA insurance review, we gave AAA 4.5 out of 5 stars and dubbed it Best Discount Options for its numerous methods to save money on coverage.

Key points:

• AAA provides comprehensive coverage automobile insurance with extras in most areas of the country.
• AAA is made up of various car clubs, and your selections may vary based on your area.
• Our rate statistics suggest that AAA is more costly than the national average.

You’re undoubtedly already aware with AAA as a roadside help provider, but did you know they also offer vehicle insurance? AAA insurance reviews indicate that protecting your car with an auto policy may be worth the little roadside assistance price.

As part of our investigation on the finest auto insurance companies in the business, we looked into what AAA has to offer. AAA vehicle insurance members had positive experiences, according to reports, and may take advantage of certain special benefits.We also recommend additional reliable auto insurance providers to help you obtain the finest automobile coverage for your requirements.

AAA Insurance Overview

Overall, we give AAA 4.5 out of 5 stars and place it among our top ten selections for vehicle insurance. AAA performs best in our coverage and technology areas. Here’s how we evaluated AAA in a variety of categories.

AAA is well-known for its roadside help, but it also provides auto insurance. Coverage covers all of the categories needed by the state, as well as extra possibilities. AAA is made up of several car club organizations around the country, so you’ll see the coverage choices and savings that are available in your region.

AAA Pros And Cons

Pros:

Roadside assistance is included.
Excellent financial strength rating and A+ rating from the BBB.
High client satisfaction.

Cons:

Only available to AAA members.
Coverage and service may vary by location.

About AAA

The American Automobile Association (AAA) was founded in Chicago in 1902. The association developed maps, hotel recommendations, high school driving courses, and pedestrian safety initiatives. Today, it manages over 1,000 travel agencies, evaluates accommodation and restaurants, produces tour guides, and offers club members discounts at hundreds of companies.

When we talk about AAA vehicle insurance, we’re actually referring to over 50 different firms that fall under the AAA umbrella. Each state can have its own AAA auto insurance business that operates independently, and all firms follow the same criteria. However, there may be modest variations in coverage options and customer service between states. Most AAA insurance reviews, for example, focus on particular locations rather than the firm as a whole.

AAA Industry Ratings

Because AAA is dispersed over numerous vehicle insurance firms and groupings, focusing on just one does not provide a whole picture. However, three of AAA’s vehicle insurance groups made the National Association of Insurance Commissioners’ (NAIC) list of the top 25 corporations by insurance premiums issued in 2022. The following table shows each company’s private vehicle yearly written premiums for 2022, as well as its Better Business Bureau (BBB) rating.
According to the NAIC, when all three are combined, the total amount of AAA auto insurance premiums written exceeds those of large competitors like Nationwide.

AAA Car Insurance Coverage

AAA members have access to motor insurance, and membership is inexpensive. AAA membership costs between $80 to $150 per year.

The company provides comprehensive coverage for autos, as do other renowned insurance firms nowadays.

Here is what it means:

• Bodily injury liability (BI): Covers other drivers’ medical bills if you cause an accident.
• Property damage liability (PD) pays for damages to other people’s cars following an at-fault accident.
• Collision insurance protects your own automobile if you get into a car accident.
• Comprehensive coverage: Takes care of damage caused by theft, vandalism, or the environment.
• Medical payments (MedPay) cover some of your post-accident medical expenditures in at-fault states.
• Personal injury protection (PIP): Helps with medical expenditures in no-fault states.
• Uninsured/underinsured motorist coverage (UM/UIM) pays for vehicle damages and medical expenses following a collision involving an uninsured or underinsured driver.

AAA roadside assistance is available in any place; however, AAA vehicle insurance is not available in every county. You must reside in a county where AAA offers direct insurance coverage. The simplest method to find out is to search online for coverage in your location.

AAA Plan Enhancements

Your local AAA club may provide extra coverage alternatives. Auto Club South, for example, offers three types of AAA auto insurance plans: Essential, Advantage, and Ultimate.

• Essential: This plan assures that your coverage will not be increased for minor claims–under $250 if you were at fault and $750 if you were not.
• Advantage: AAA offers full accident forgiveness after five years of no claims.
• Ultimate: You can have one claim forgiven from the beginning of your plan and receive up to $50 in credit on your renewal each insurance term. At this level, your deductible is also reduced by $50 every claim-free insurance term.

In addition, you may add these AAA vehicle insurance services:

• Enhanced complete loss replacement: This option increases your collision coverage to pay for a new model car replacement if your automobile is totaled, rather than the market value of your vehicle.
• Loan/lease gap insurance covers the difference in price between your wrecked vehicle and the amount remaining on your loan or lease.
• Enhanced exterior repair: This option replaces your car’s external pieces with genuine manufacturer parts rather than aftermarket parts. This excludes mechanical components; the only method to obtain new original equipment manufacturer (OEM) mechanical parts is through a manufacturer warranty or extended warranty.
• Transportation Network Company offers ridesharing insurance to those who use their automobiles in the gig economy.

Check your local AAA club’s website and AAA car insurance reviews from consumers in your region to discover what options are available to you.

Are There Any Perks To AAA Insurance?

One of the primary benefits of AAA vehicle insurance is the ability to receive AAA roadside help. AAA is a popular name in roadside assistance, and the corporation provides extensive coverage. Even if you have not been involved in an accident, you can have your automobile towed to a repair.

Towing, locksmith services, tire replacements, jump-starts, battery charges, fuel delivery, and certain travel interruption help are all included in every AAA roadside assistance package. The Premier plan offers coverage to RVs and trailers. It also includes a $100 refund for a house locksmith, travel accident insurance, concierge services, and one day of emergency rental vehicle coverage.

AAA Auto Insurance: Our Take

AAA received a 4.5-star rating and was designated one of the Best Discount Options. Its broad range of auto insurance coverage and extensive list of discounts make it an excellent alternative for vehicle security beyond roadside assistance.

At the end of the day, it appears that your AAA experience may vary depending on where you reside, so search for local AAA auto insurance reviews. Websites, quotation procedures, and claims can all vary different AAA firms, so do your study on your club. If you already have AAA roadside help, it’s a good idea to look into the company’s vehicle insurance. Compare quotes to discover the lowest auto insurance.