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If you own a car, you’ve probably heard of a AAA membership, the roadside assistance service that started in 1902 when nine motoring clubs joined forces to ensure safe, efficient transportation. But AAA offers more than roadside assistance through its automobile club group.
Since its founding, the company has morphed into a leading insurance carrier; in addition to its famous roadside assistance, you can purchase auto, home, and life insurance. We’re taking a closer look at AAA’s car insurance offerings so you can decide if it’s the right provider for you.
AAA may be best known for its auto clubs, but it’s a better insurance carrier because it understands the day-to-day risks you face while driving your car. In some cases, you might only need a tow, while in other cases, you may need to file a claim for a serious accident. AAA can help its customers regardless of their situations.
Roadside assistance: For decades, people have relied on AAA’s auto club for roadside assistance when their car breaks down.
AM Best A+: AAA received an A+ from the industry’s most trusted financial ratings company, demonstrating its strong financial solvency.
Bundles to save money: Earn discounts when you bundle home and auto insurance together.
No online reviews: There are no BBB reviews to get a full understanding of what people like and don’t like about the company.
Not an entirely online process: When you request a quote online, the system tells you that a representative will contact you to give you the quote. This means it’s impossible to get a policy quickly online.
AAA customizes your auto insurance rate based on your coverage choices, location, age, and driving history. On average, customers pay $1,903 per year for AAA auto insurance coverage.
AAA sells auto insurance in every state, Washington, D.C., plus Puerto Rico. However, the confusing part is that AAA sells insurance in different affiliate businesses under the AAA parent company.
For example, if you live in Northern California, Nevada, Utah, Alaska, Montana, Wyoming, or Arizona, you’ll buy insurance from AAA Northern California, but if you’re from Connecticut, Massachusetts, New Jersey, New York, or Rhode Island, you’ll buy from AAA Northeast, and so on.
If you need servicing for your AAA auto insurance policy, you’ll call or email your agent, or call the customer service number listed on your policy. Your representative can help you with the following tasks:
J.D. Power and Associates did not include AAA on its list of highly rated companies for customer service. AAA doesn’t necessarily have terrible customer service, but like any organization, it may be subject to which representative you speak with on the phone.
The National Association of Insurance Commissioners (NAIC) Complaint Index for AAA is lower than average, meaning it has fewer complaints than expected for its size. Fewer complaints suggest that customers have a good experience when they buy insurance through AAA.
AAA does not have an app for its insurance services, but it has an app for the roadside assistance side of the company.
Don’t confuse AAA’s mobile app with one that will help you manage your insurance policies. The AAA app is designed for its roadside assistance and club benefits.
AAA maintains strong ratings from third-party rating companies.
Nine local motor clubs with more than 1,500 members founded AAA in 1902. The original goal was to advocate for better traffic safety and road conditions. The need for new traffic safety became important when horse-drawn buggies far outnumbered motorized vehicles, which had to endure the harsh conditions on unpaved roads.
AAA introduced roadside assistance to members in 1915 to help stranded motorists. The company added auto insurance shortly after to make sure that motorists had the protection they needed while driving. Today, AAA has more than 61 million members with 32 motor clubs across the country.
You can cancel an auto insurance policy with AAA at any time by contacting your agent or calling the customer service number on your policy. When you cancel the policy, you will receive a prorated amount of the policy premium back that you have already paid. There are no cancellation fees to halt the policy and change carriers.
Make sure you have another policy in place before you cancel a AAA auto insurance policy. You don’t want to be driving uninsured for any period of time.
AAA auto insurance gets the highest marks for financial strength from AM Best. It has a good customer reputation with few complaints and offers one of the best roadside assistance programs possible.
Your rate may have increased at the renewal period due to accidents, tickets, or higher claim rates in the area that you live and drive in.
Results By Complaint Index. National Association of Insurance Commissioners.
https://www.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=71854&:refresh
AAA Life Insurance Company. A.M. Best. (2021).
https://ratings.ambest.com/CompanyProfile.aspx?BL=0&ambnum=7424&AltNum=21727424&AltSrc=3
AAA Insurance. Better Business Bureau®.
https://www.bbb.org/us/tx/houston/profile/insurance-agency/aaa-insurance-0915-22002968