AAA (The American Automobile Association) is a company popularly known for its roadside assistance. But do you know it also offers insurance coverage? Yes, it does. AAA Car insurance is provided by different local insurance companies that share the name and logo. To access their auto insurance, you typically need to join your local AAA club, which may involve a membership fee. However, the savings you receive on your car insurance through membership could outweigh the cost of joining.
Nevertheless, this Company offers reliable coverage for drivers, providing peace of mind on the road. With various policy options tailored to individual needs, AAA ensures drivers have the protection they need at affordable rates. Their experienced agents are ready to assist with any inquiries and guide you through the process of selecting the right coverage. Whether it’s basic liability coverage or comprehensive protection, this company is dedicated to keeping drivers safe and secure on their journeys. It makes use of different auto groups to provide auto insurance to its clients.
What does AAA car insurance cover?
Just like I have mentioned above, this company makes use of different insurance coverage. So coverage options may depend on your location. Insurers can provide all of the basic coverage options. While some coverage is only available in certain areas. You should talk to a local AA agent to know if they have what you are looking for. Here are some of the common coverage types offered by AAA.
- Bodily Injury Liability: If you cause an accident, this helps cover the other person’s medical bills.
- Property Damage Liability: This pays for damage to someone else’s property if you’re at fault in an accident.
- Collision Coverage: If your car gets damaged in a crash, this helps pay for repairs or a replacement.
- Comprehensive Coverage: This covers damage to your car from things like theft, vandalism, or weather events.
- Also, Uninsured and Underinsured Motorist: If you’re hit by someone without insurance or enough coverage, this helps pay for your expenses.
Additional Coverage
- Personal Injury Protection: This covers your medical bills and other costs if you’re injured in an accident.
- GAP Insurance: Covers the difference if your car is totaled and you owe more than it’s worth.
- Rental Reimbursement: Pays for a rental car while yours is being fixed. Rental Car Insurance: This covers you when you’re driving a rental car.
- Non-owner Insurance: Protects you when you drive but don’t own a car.
- Pet Coverage: Covers vet bills if your pet is hurt in a car accident.
- Accident Forgiveness: With accident forgiveness, your rates won’t go up after your first accident.
- EM Exterior Repair: Pays for original parts to fix your car’s exterior
When we are talking about AAA car insurance, we are talking about more than 50 businesses under the umbrella. Every state has its own AAA car insurance company and every company operates under the same guidelines. However, you need to know that there may be little differences in the coverage options depending on the state.
AAA Car Insurance Benefits
Here are some of the advantages of this road assistance and auto insurance company. You can enjoy these as a member;
- As a member of AA, you may receive an auto insurance discount
- Different insurance products are offered
- Offers add-on coverage like gap insurance
- AAA Mobile app and user-friendly online interface
- Rental car services
- Travel Insurance
- Airport Parking
- Good customer service
- Customer loyalty
- like towing services,
- lockout assistance,
- free maps
- Lastly, travel guides
Certain benefits and opportunities may be deferred by state or location. But the above are some of the things you can enjoy as a member
Auto Insurance Discounts
Most customers receive discounts for being a member. You may also get to save more money by
- Completing your driver training course
- Meeting the company’s standard of a good driver.
- Having good grades if you are a student
- Being alumni of certain schools and colleges.
- Owning home
- Having a new car
- Being a military member
- Insuring multiple vehicles with the company
- Setting up automatic payments and paying electronically
- Having a car with theft prevention devices.
- Having students on your policy who keep cars at home while they are at school
- Continuous auto insurance coverage with the company
- Also, paying the policy premium in full
Just like other top insurers, this company offers many discounts but they differ in state and location. So ensure you check with your AAA club to know which one is available for you.
How Much Is AAA Car Insurance?
Every group that offers AAA auto insurance coverage has its prices. And the reason is that each of the companies operates alone. However, different factors can impact the overall price of your policy premium. Some of these factors include; Driving record, vehicle make and model, age, gender, material status, and driving history. According to our research, these companies’ car rates can be quite expensive than the national average depending on the club in your area.
Is it Worth it?
Many wonder about the value of AAA insurance, but the peace of mind it offers is hard to beat. With this company’s car insurance, you’re not just getting insurance coverage. You’re also gaining access to a network of roadside assistance, travel discounts, and other perks.
While there may be a membership fee involved, the benefits like towing services, lockout assistance, and even free maps and travel guides can make it worth the investment. Plus, AAA insurance often comes with competitive rates and personalized service, making it a valuable choice for those seeking reliable coverage and assistance on the road.
You can download the AAA mobile app today or visit the official website. Enter your Zip code so that you can be directed to the club in your area. Enter the information required, get a quote, become a member, and purchase the right coverage that suits you needs.