Most people connected to the automotive world know of the American Automotive Association – best referred to as AAA – for their most noteworthy offering: their well-advertised and well-respected roadside assistance, But lots of folks are not aware that this outfit also offers drivers a pretty comprehensive auto insurance option. Yep. So if you’re just finding out this nugget of info, we’re here to take a little dive into the world of AAA insurance. Let’s get into it.
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Options and Benefits
AAA makes several options available when it comes to insurance coverage. These options include:
- Liability Coverage: This is the base coverage that is required in most states.
- Comprehensive and Collision Coverage: This acts to protect against damages caused by accidents, theft, and weather-induced issues.
- Gap Insurance: This feature will cover any amounts owed in the event that your vehicle is totaled.
- Rideshare Coverage: A relatively new element in the world of auto insurance, this option is tailor-made for folks using their vehicles to provide services for rideshares like Uber or Lyft.
- Accident Forgiveness: A potentially helpful function that works to avoid increases in premium costs that occur as a resell of an initial at-fault accident.
What’s more, AAA offers drivers perks such as disappearing deductibles, trip interruption coverage, pet injury protection, and enhanced exterior repair options.
Considering Costs
We’ll be the first to admit: AAA’s premiums can be land somewhere on the higher side than other insurance providers. For example, the average cost for one month of full coverage in Southern California comes in at around $224, which is higher than the national average. That said, while the extra dollars may be reason for some folks to hesitate when considering AAA for insurance, the multitude of benefits that come with that increased cost could very well justify the expenditure for others.
The Perks
Aside from the benefits directly related to purchasing auto insurance through AAA, it’s good to know that there is a whole list of other perks to enjoy that might just offset the higher premiums:
- AAA Membership Discount: As an insurance customer you can save money on membership based on the duration of your custom. And this membership means access to roadside assistance, potentially longer towing distances, as well as travel and lodging assistance in case of a breakdown.
- Paperless and Pay-in-Full Discounts: When you opt in for digital documents and upfront payment, there will be discounts to be had as a result.
- Safe Driver Discounts: AAA offers rewards to drivers with clean driving records and those who enroll in defensive driving courses.
- Multi-Car and Multi-Policy Discounts: For families with more than one vehicle or policy, AAA makes it possible to save by way of bundling multiple insurances or vehicles.
Customer Response
When it comes to customer satisfaction, automotive expert, J.D. Power, ranks AAA above average in certain regions, while other areas have resulted in somewhat varied feedback on claims experiences. To get a better understanding of how folks are responding to AAA auto, it can be helpful to research specific regional performance results.
Filing Claims
In order to make the claims process as user-friendly as possible, AAA allows for claims to be reported online, by phone, or via the AAA app. Fast response to claims and coordination with insurance adjusters comes as standard service…although of course, more complex claims can mean increased processing times.
Takeaways
AAA’s auto insurance can be ideal for folks in the market for something comprehensive that comes with a few extra perks. The coverage is robust, but it does come with an equally robust price tag. So if budget concerns are in your foreground, comparing quotes from several providers could prove useful for decision making.
