AAA Car Insurance Review [2024]
For AAA car insurance, as a reference for coverage costs, the Insurance Information Institute reported that the average cost is $1,004. This AAA car insurance review will cover AAA's regional member clubs, flexible payment choices, discounts, and their convenience of upgrading packages as needed.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Jul 11, 2024
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- AAA is an established, reputable organization that operates through regional member clubs
- The clubs typically offer flexible payment options and a variety of discounts
- AAA club members have the ability to upgrade their packages
What is AAA? AAA is an insurance provider founded on March 4, 1902, and is a non-profit organization whose clubs, including the Automobile Club of Southern California, have offered low-priced emergency roadside assistance for years. AAA was formed because there was a lack of well-maintained roads for vehicles, which made travel difficult, and they wanted to offer some form of protection against this fact. You may have heard of them because of their offered towing service, but they’re much more than that.
As you consider purchasing car insurance coverage through a AAA club, you should be aware of what benefits and options are offered. Our AAA review goes through policies, payments, discounts, coverages, and more, so you have help in deciding whether or not to get your insurance premium through them.
After reading our AAA review, make sure to compare rates from the best car insurers in your area. Use our free tool above by entering your ZIP code.
What are AAA club payment options and policy terms?
There are many membership benefits, but one of the outstanding benefits of buying a car policy from an AAA club is that you will likely be offered a 12-month policy for a set premium price. Most other providers offer only a 6-month policy. AAA understands that there are competitive rates out there, and they want to make an enticing offer.
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How do I make my AAA insurance payment?
AAA clubs also generally offer different AAA car insurance payment options so you can pay on flexible terms. There is also the option to pay AAA policy payments online. As far as an insurance carrier goes, they are easy to work with and are willing to offer plenty of helpful solutions to cater to the majority of insurance customers.
Are there any AAA car insurance discounts?
When you buy coverage from an AAA club, you can receive a wide variety of savings, such as a claim-free discount or a multiple-vehicle deal (there are 21 discounts just for car policies). However, one of the best ways to save is by bundling policies to receive a multiple-policy discount.
For example, you could bundle AAA home insurance with your auto policy, or AAA renters insurance with a car policy. The table below shows how much these combinations can save.
Lines Bundled | Savings Earned |
---|---|
Auto, Home, & Life | 20% |
Auto & Home | 16% |
Auto & Condo | 8% |
Auto & Renters | 4% |
Typically, you will receive the greatest discount when you buy more than just one policy. However, make sure you look up AAA auto and home insurance reviews to make sure AAA is where you want to get home or renter’s insurance from. A lot of customers benefit from asking about safe driver discounts, and mentioning if they’ve ever taken defensive driving courses. This varies from company to company however, so your best bet would be to ask an AAA insurance agent for more details on what discounts are available.
Is AAA car coverage good?
Is AAA car coverage any good? Before you commit to buying a car insurance policy from an AAA club, you should evaluate policies from other car insurance providers to find out. You should also look at customer satisfaction ratings as well. Most find reading a review helpful, since it gives outside perspective.
If you need other insurance along with car insurance, it would be best to ask for a quote including all of your insurance needs so you can compare it with what you are currently paying. For example, if you need AAA gap insurance, you can see whether or not that would increase your membership level.
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Do you have more questions?
If you still have questions, don’t fear. We are going to go over some of the most frequently asked questions from people like you.
What does AAA stand for?
AAA stands for American Automobile Association.
What is BBB’s rating of AAA?
Looking at AAA ratings and AAA claim reviews is one of the best ways to find out if a company is reputable (as well as looking at complaints). An easy way to do this is to look at the BBB business profile of whatever company you’re looking to research, in this case AAA. AAA car reviews from BBB (Better Business Bureau) are great. BBB gave the AAA in Oklahoma an A+ rating, and other AAA sites have the same grade.
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What is A.M. Best’s rating of AAA?
A.M. Best gave AAA an A- financial rating. This means AAA has decent stability, financial strength, and can pay back debts.
What are AAA customer reviews?
AAA car policy customer reviews on Yelp are decent. AAA has a 3.5 star rating out of five on Yelp, based on 133 reviews. This is good, as it is a reflection of AAA’s customer service. Just make sure that when you are researching AAA that you don’t confuse AAA with CSAA reviews.
Is AAA cheap or expensive?
Are AAA rates competitive with other providers? This should be the question you ask yourself every time you shop for coverage. AAA is a little different, as you have to be an AAA member to buy AAA car insurance.
Because of the AAA membership cost, your AAA policy may cost a little more than other traditional insurers. To give you a guideline of what coverage typically costs, the Insurance Information Institute says that the average cost in 2017 (the last study year) was $1,004. Price will always vary depending on the level of coverage you need, but sometimes you receive additional benefits should you opt into a higher bracket.
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Which is better, AAA or Geico?
There is no definite answer to this question, although looking at AAA in comparison to Geico reviews can help you reach a decision. Which company is better depends on the rates in your area, the coverages offered, and your personal preference.
Make sure you pick the right company for you. If you need to file a claim with AAA, it’s important that you are happy with your choice of provider during the AAA claim process.
How does AAA car insurance work?
AAA’s coverages work just like any other insurers’ coverages. However, you do have to purchase an AAA membership before you can buy AAA insurance.
What does the AAA app do?
The AAA mobile app is for AAA Auto Club members. It helps members find discounts on hotels and rental cars, ask for roadside assistance services, and access maps. Members can also submit AAA drive review complaints or questions. It’s a great, convenient way for AAA to respond to service calls. You may still have to speak with someone regarding insurance claims, but having an app works well with the consumer-on-the-go world we live in.
We hope our quick AAA car insurance review has helped you make a decision. Make sure to enter your ZIP code and use our free tool to start comparing the best car insurance rates in your area.
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Frequently Asked Questions
What is AAA?
AAA stands for the American Automobile Association, a non-profit organization that provides emergency roadside assistance and various insurance services.
What payment options and policy terms are available with AAA car insurance?
AAA typically offers 12-month policy terms, which is longer than the standard 6-month terms offered by many other insurance providers. They also provide flexible payment options, including the ability to make payments online.
Are there any discounts available with AAA car insurance?
Yes, AAA offers a variety of discounts, including claim-free discounts, multiple-vehicle discounts, and bundling discounts when you combine multiple policies such as auto and home insurance.
Is AAA car coverage good?
Before making a decision, it’s advisable to compare AAA’s car insurance policies with those offered by other providers. You can also consider customer satisfaction ratings and read reviews to get an idea of the overall customer experience.
How does AAA car insurance compare to Geico?
The comparison between AAA and Geico will depend on factors such as rates in your area, available coverages, and personal preferences. It’s recommended to review and compare both companies’ offerings to determine which one best suits your needs.
Sally Ayres
AAA review
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Don’t buy triple AAA
Tia_15
DON'T CALL AAA IF THE CRASH ISN'T YOUR FAULT!!!!!!!
cordarei
inefficient claims
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Breach of Trust -- Raises Premium Without Notifying Consumer
CCADE
Excellent, Fast Professional & Friendly Service
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Home Owners Insurance
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Good customer service
kathleenl1963
Best Insurance Ever