In the vast landscape of car insurance, AAA Insurance stands as a prominent player. This review aims to dissect and analyze every facet of AAA Insurance car insurance, offering a detailed guide to help you make an informed decision about safeguarding your vehicle. From coverage options to customer experiences, we’ve got you covered.
What is AAA insurance?
AAA is a well-known and respected insurance company that has been around for over a century. It offers a wide range of insurance products, including car insurance. AAA car insurance is generally considered to be good, but it is important to weigh the pros and cons before deciding if it is the right choice for you.
AAA Insurance
Summary
National Average:
$1,958
Savings Vs. National Average:
-$411
AAA Insurance is a large and well-known car insurance company, but is it right for you? Here is a detailed review of AAA Insurance car insurance, including its pros and cons:
Here is a comparison of AAA car insurance rates to the national average:
| Coverage Type | AAA Car Insurance | National Average |
|---|---|---|
| Full Coverage | $1,958 | $1,732 |
| Liability Only | $596 | $594 |
| Collision Only | $898 | $882 |
| Comprehensive Only | $498 | $492 |
Pros ✅
- Strong financial stability
- Wide range of coverage options
- Discounts for member
- Roadside assistance
Cons ❎
- Higher rates
- Customer service complaints
How much is AAA Car Insurance A Month?
Optional Coverage
- Rental car reimbursement
- Gap insurance
- Roadside assistance
- Homeowners insurance
- Renters insurance
- Life insurance
Vehicles Covered
- Cars
- Trucks
- SUVs
- Motorcycles
- RVs
- Boats
- Snowmobiles
Is AAA Good Insurance?
AAA is generally considered to be good insurance. It is a financially stable company with a good reputation. It also offers a wide range of coverage options and discounts for members.
However, AAA car insurance rates can be higher than the national average, and some customers have reported negative experiences with customer service and claims handling.
The cost of AAA car insurance varies depending on a number of factors, including your age, driving history, type of car, and location. However, AAA is generally considered to be a more expensive insurance company than the national average.
How Much Is AAA Car Insurance?
According to NerdWallet, the average annual cost of AAA auto insurance is $1,674 in 2023. This is higher than the national average of $1,597. However, AAA’s rates are comparable to those of other major insurance companies, such as State Farm and Progressive.
Here is a breakdown of the average annual cost of AAA auto insurance for different age groups and driving histories:
| Age group | Driving history | Average annual cost |
|---|---|---|
| 16-19 | Good | $2,544 |
| 20-24 | Good | $1,943 |
| 25-29 | Good | $1,734 |
| 30-39 | Good | $1,626 |
| 40-49 | Good | $1,519 |
| 50-59 | Good | $1,413 |
| 60-69 | Good | $1,307 |
| 70+ | Good | $1,202 |
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It is important to note that these are just averages. Your actual rate may be higher or lower depending on your individual circumstances.
How much is AA Car Insurance A Month?
The cost of AA car insurance per month varies depending on a number of factors, including your age, driving history, type of car, and location. However, you can expect to pay around £185 per month for comprehensive cover, based on a survey of new business sales from theAA.com, March to May 2023.
Auto insurance Discounts
There are many different types of auto insurance discounts available, and the specific discounts you may be eligible for will vary depending on your insurance company and your individual circumstances. However, some of the most common auto insurance discounts include:
- Good driver discounts: These discounts are for drivers with a clean driving record. The specific amount of the discount will vary depending on the insurance company, but it can be significant.
- Multi-car discounts: If you insure multiple cars with the same insurance company, you may be eligible for a multi-car discount.
- Bundling discounts: If you bundle your auto insurance with other types of insurance, such as homeowners insurance or renters insurance, you may be eligible for a bundling discount.
- Safety features discounts: If your car has certain safety features, such as airbags or anti-lock brakes, you may be eligible for a safety features discount.
- Military discounts: Active military members and veterans may be eligible for a military discount on auto insurance.
- Student discounts: Students may be eligible for a student discount on auto insurance, especially if they maintain good grades.
- Senior discounts: Drivers over the age of 65 may be eligible for a senior discount on auto insurance.
In addition to these common discounts, many insurance companies also offer other discounts, such as discounts for defensive driving courses, discounts for paying your premium in full, and discounts for using paperless billing.
AAA auto insurance quotes and rates
AAA auto insurance quotes and rates vary depending on a number of factors, including your age, driving history, type of car, and location. However, AAA is generally considered to be a more expensive insurance company than the national average.
According to NerdWallet, the average annual cost of AAA auto insurance is $1,674. This is higher than the national average of $1,597. However, AAA’s rates are comparable to those of other major insurance companies, such as State Farm and Progressive.
To get an accurate quote for AAA auto insurance, you will need to provide the company with some basic information about yourself and your car. This includes your age, driving history, zip code, make and model of car, and the type of coverage you are interested in.
AAA Coverage Types
| Coverage Type | Description | Example |
|---|---|---|
| Liability Coverage | Bodily injury liability coverage pays for the medical expenses and other damages of people you injure in an accident. Property damage liability coverage pays for the damage you cause to other people’s property in an accident. | If you cause an accident that injures another person, liability coverage can pay for their medical bills, lost wages, and pain and suffering. If you cause an accident that damages another person’s car, liability coverage can pay for the repairs. |
| Collision Coverage | Collision coverage pays for the damage to your own car caused by a collision with another object, such as another car, a tree, or a telephone pole. | If you hit a deer while driving, collision coverage can pay for the repairs to your car. |
| Comprehensive Coverage | Comprehensive coverage pays for damage to your car caused by events other than collisions, such as theft, vandalism, weather events, and fire. | If your car is stolen, comprehensive coverage can pay to replace it. If your car is damaged by a hail storm, comprehensive coverage can pay for the repairs. |
| Medical Payments Coverage | Medical payments coverage pays for the medical expenses of you and your passengers, regardless of who is at fault for an accident. | If you and your passengers are injured in an accident, medical payments coverage can pay for their medical bills. |
| Uninsured/Underinsured Motorist Coverage | Uninsured/underinsured motorist coverage protects you financially if you are hit by a driver who does not have car insurance or does not have enough car insurance to cover your damages. | If you are hit by a driver who does not have car insurance, uninsured/underinsured motorist coverage can pay for your medical bills and property damage. |
| Rental Car Reimbursement Coverage | Rental car reimbursement coverage pays for the cost of a rental car while your car is being repaired after an accident. | If you are involved in an accident and your car is damaged, rental car reimbursement coverage can pay for the cost of a rental car while your car is being repaired. |
| Towing and Labor Coverage | Towing and labor coverage pays for the cost of towing and labor services if your car breaks down or is involved in an accident. | If your car breaks down while you are driving, towing and labor coverage can pay for the cost of towing your car to a repair shop. |
AAA Customer Service
AAA customer service is available 24/7 by phone, email, and chat. You can also visit your local AAA branch for in-person assistance.
AAA customer service representatives are trained to help you with a variety of tasks, including:
- Getting roadside assistance
- Filing a claim
- Making changes to your policy
- Getting quotes for new coverage
- Answering questions about your policy or coverage
AAA customer service representatives are generally considered to be helpful and knowledgeable. However, some customers have reported negative experiences with customer service, such as difficulty getting in touch with representatives or having their claims processed promptly.
Overall, AAA customer service is generally good. However, it is important to be aware of the potential for negative experiences. If you are considering AAA insurance, it is important to read reviews from other customers to get a sense of their experiences with AAA customer service.circle
AAA Claims Handling
AAA claims handling is generally considered to be good. AAA has a team of experienced claims adjusters who are trained to help you file and settle your claim as quickly and efficiently as possible.
To file a claim with AAA, you can call the AAA claims hotline 24/7 at 1-800-922-8228. You can also file a claim online or through the AAA mobile app.
Once you have filed a claim, an AAA claims adjuster will contact you to gather information about the accident and your damages. The claims adjuster will then inspect your vehicle and provide you with an estimate of the repairs.
If you agree with the estimate, AAA will authorize the repairs and your vehicle will be repaired at an AAA-approved repair shop. If you do not agree with the estimate, you can negotiate with the claims adjuster or get an estimate from another repair shop.
Once your vehicle has been repaired, AAA will settle your claim. AAA typically pays claims by direct deposit or check.
AAA Customer Loyalty
AAA has a high customer loyalty rate. According to a recent survey by J.D. Power, AAA has one of the highest customer satisfaction rates among auto insurance companies. AAA’s customer loyalty rate is likely due to a number of factors, including:
- Wide range of coverage options: AAA offers a wide range of coverage options for car insurance, homeowners insurance, renters insurance, life insurance, and other products. This allows customers to customize their policies to meet their specific needs.
- Discounts for members: AAA members are eligible for a variety of discounts on insurance, travel, and other products and services. These discounts can save customers a significant amount of money over time.
- Roadside assistance: AAA members have access to roadside assistance 24/7. This can be a valuable benefit, especially if you have a car breakdown while you are traveling.
- Good customer service: AAA has a reputation for providing good customer service. AAA customer service representatives are generally considered to be helpful and knowledgeable.
AAA also has a strong brand reputation. AAA has been around for over 120 years and is a trusted name in the insurance industry. This brand reputation is another factor that contributes to AAA’s high customer loyalty rate.
