AAA Car Insurance Review

AAA Auto Insurance - Introduction

You may be best familiar with AAA's auto insurance products. AAA is considered to be one of the best car insurance companies. So we at Way.com have decided to conduct in-depth research and review how the auto insurance company AAA performs for its customers.

Most companies, including the three AAA members we looked at, provide uninsured motorist protection, medical payments coverage, rental car reimbursement, comprehensive coverage, and collision coverage.

Pros and Cons

Unique AAA Auto Insurance Features

AAA Auto Insurance Coverages

Auto Club of Southern California, CSAA Insurance Group, and Automobile Club Group, like other insurers, provide:

• Accountability (bodily injury and personal property)
• Personal injury insurance (PIP)
• Collision
• Comprehensive
• Medical expenses
• Uninsured/underinsured driver

CSAA, on the other hand, incorporates rental car reimbursement as a standard feature. Insurance Group of the Auto Club of Southern California - Rental car reimbursement (only available with collision and comprehensive)

CSAA Insurance Group - glass coverage, OEM Parts (nationwide availability by mid-2021), rental car reimbursement, towing and labor, loan/lease payback coverage (GAP), protection for a new car (repairs or replaces a totaled new car), rideshare coverage and specialized equipment (available nationwide by mid-2021)

Automobile Club Group provides enhanced complete loss replacement, enhanced exterior repair (OEM exterior components), loan/lease gap insurance, rideshare coverage, and reimbursement for a rental car.

Inquire about the following coverages, which at least certain AAA companies provide:

• Gap insurance: Gap insurance pays the difference between the value of your car and the remainder of your loan or lease if it is totaled or stolen.
• OEM exterior repair coverage: This coverage will help to ensure that aftermarket parts are not utilized when your car is being repaired. This coverage is significant since your car will be restored with new OEM items created and engineered specifically for your car's make and model. If using original components is important to you, having an additional OEM endorsement can help you receive the parts you need when they become available.
• New car replacement: If your car is totaled, you will be reimbursed for a two years newer auto.
• Rideshare insurance: Rideshare insurance protects you during the time between rides, ensuring that you are always protected while working as a rideshare driver. Typical ridesharing insurance only covers the time between accepting a ride and dropping a customer off.
• Custom equipment coverage: Custom equipment coverage pays to repair items fitted after purchase, like stereos, cameras, or rims, if you are involved in a covered accident.

To understand types of auto insurance coverage in detail, check
https://www.way.com/blog/types-of-car-insurance-coverage/

AAA Auto Insurance Coverages Limits

Low Liability Coverage: The state's liability limits.

Medium Coverage:

High coverage:

AAA Auto Insurance Rates

Individual considerations like your driving record, location, and age; your auto and how you use it (commercial or personal use); typical mileage; your credit-based insurance score; and other criteria that differ by the state are all considered by insurers. Your premium is also affected by the amount of insurance coverage you choose to acquire.

The car insurance for women and seniors car insurance is cheaper for AAA. AAA can be considered one of the better car insurance options for students. These three categories are offered cheap car insurance. You can get cheap and free car insurance quotes online.

AAA Car Insurance Rates By Age

AAA Car Insurance Rates By Coverage

AAA Auto Insurance Discounts

Most AAA auto insurance clients receive a discount for being a member of their motor club. Some AAA insurers also provide standard discounts like as:

• Discount for education or vocation.
• Discount on comprehensive coverage for certified theft prevention devices with anti-theft equipment.
• Discount for loyalty.
• Discount for safe drivers.
• Excellent student discount.
• Young driver discount for new drivers.
• Discount for students who are away from home.
• Discount for completing a driving training course.
• Discount for several autos.
• Discount for several policies.
• Discount if you pay your subscription in full.
• Discounts are available for paying electronically and setting up automatic payments.

AAA Customer Feedback And Satisfaction Report

Way.com examined consumer complaints about the three AAA auto insurance firms and their subsidiaries. According to three years of data from the National Association of Insurance Commissioners, Automobile Club Group had the fewest complaints to state regulators relative to the size of the three AAA insurance firms we studied. In addition, the Auto Club of SoCal received fewer complaints about auto insurance than predicted.

Auto Club of SoCal, CSAA Insurance Group, and Auto Club Group were rated above average for claims satisfaction. In other words, AAA can be considered as one of the best car insurance companies operating in America.

Way.com Summary

AAA is an auto insurance company with a reputation for delivering dependable policies to its members at reasonable prices, thanks to considerable discounts. AAA provides coverage for boats, motorbikes, pets, and more in addition to auto, homes, and life insurance products.

When it comes to claims processing and transparency, AAA gets high marks.

It's worth noting that AAA insurance policies are only offered to members of the organization. The organization has three membership tiers (Classic, Plus, and Premier), each with its privileges, such as roadside assistance, vacation planning services, and retail discounts.

For example, a Classic membership costs $68 a year in Florida, Georgia, and Tennessee, but pricing varies by state. For further information, contact your local AAA office.

About AAA Car Insurance

The availability of AAA auto insurance varies according to state and AAA club. In general, the following are some of the coverage areas of AAA insurance groups, though insurance availability will vary depending on your exact location.

A Brief History of AAA

In 1902, the Automobile Association of America, or AAA, was created. The organization's goal was to advocate for auto safety and equitable transportation legislation to protect the rights of drivers and passengers. One of the organization's first significant accomplishments was assisting the federal Department of Transportation in improving and developing our nation's roadway system.

AAA launched its Roadside Protection Program in 1919, foreshadowing today's roadside assistance program.

Because AAA insurance is provided by several businesses that operate in various states, your coverage options will vary depending on where you live. Wherever they operate, all insurers are compelled to provide state-mandated coverage.