AAA Car Insurance: Coverage, Discounts & Claims

AAA is one of the most well-known and trusted names in auto insurance. With over 60 million members nationwide, AAA has been providing affordable and reliable insurance products for over 100 years.

For drivers looking to get the optimal coverage at a competitive rate, AAA car insurance is a great option to consider. This article will provide an in-depth overview of what AAA offers, how their rates compare, and how to get a free quote for your specific needs.

Overview of AAA Auto Insurance Coverage

AAA offers all the standard types of car insurance coverage. Policies can be customized to meet your state's minimum requirements or to provide more extensive protection.

Liability Insurance

Liability insurance covers damages that you cause to others in an accident when you are deemed legally responsible. It's required in all states and essential protection.

AAA provides the following liability coverage options:

Bodily Injury Liability: Covers medical expenses of people injured in an accident you caused. There are separate limits for per person and per accident.
Property Damage Liability: Covers repairs or replacement for any property damaged in an accident you caused, such as buildings, poles, fences, and most vehicles.

Liability coverage applies no matter what car you're driving at the time. Limits usually range from $10,000 for the minimum to $500,000 or more if you want enhanced protection.

Collision and Comprehensive Coverage

Collision and comprehensive are optional coverages that pay for damage to your own vehicle.

Collision: Covers your repair costs after an accident. You can choose a deductible amount.
Comprehensive: Covers damage to your car that's not from a collision, like theft, vandalism, fire, hail, flood, and hitting an animal.

AAA offers standard deductible options of $250, $500, or $1,000 for both collision and comprehensive. Higher deductibles reduce your premium but mean you pay more out-of-pocket for covered repairs.

Uninsured/Underinsured Motorist Coverage

Uninsured motorist coverage protects you if you're hit by a driver who doesn't have sufficient or any auto insurance. Underinsured motorist coverage kicks in when the at-fault driver's policy doesn't fully cover your losses.

AAA offers both bodily injury and property damage from uninsured or underinsured drivers as add-ons to your policy. It's an important complement to liability insurance.

Medical Payments Coverage

Medical payments coverage through AAA pays for injuries to you and your passengers after an accident, regardless of who was at fault. It can supplement your health insurance policy.

Typical limits offered range from $1,000 to $10,000 per person. This coverage often has a small deductible, like $100.

Personal Injury Protection

In no-fault states, Personal Injury Protection (PIP) coverage is required and functions similar to medical payments coverage. It pays for medical and related expenses for you and your passengers.

AAA offers PIP coverage to meet state minimums. Limits depend on the state, but are typically $10,000 or more per person.

Roadside Assistance Coverage

One of the top benefits of choosing AAA is free roadside assistance. If you break down, run out of gas, get a flat tire, or need a battery jump start or lock-out service, AAA will send aid 24/7.

With AAA auto insurance, roadside assistance extends beyond just the policyholder to all family members living in the same home.

Rental Car Reimbursement

If you're in an accident and need to rent a car while yours is being repaired, AAA's rental coverage provides reimbursement for those rental costs.

Daily and per accident limits apply, with typical amounts of $20-$30 per day and $500-$1,000 maximum per accident.

GAP Insurance

Guaranteed Auto Protection (GAP) insurance covers the "gap" between what your car is worth and what you owe on your auto loan if your vehicle is totaled. AAA offers optional GAP coverage for total peace of mind.

In addition to standard lines of coverage, AAA policies include useful features like OEM part replacement without deductibles, lock replacement, and coverage for high-tech accessories installed in your vehicle.

What Impacts Your AAA Insurance Rates?

The premium you'll pay for AAA insurance depends on several factors. The company uses a range of personal and vehicle criteria to determine your level of risk and set rates.

Driver-Based Factors that Influence AAA Car Insurance Cost

Age: Younger drivers under 25 are considered higher risk and pay more for AAA policies. Rates go down as you gain experience.
Driving record: Drivers with speeding tickets, at-fault accidents, and DUIs pay substantially more based on their infractions. A clean record gets the best rates.
Location: AAA rates are set based on your garaging address. Urban areas cost more than rural towns.
Credit history: AAA rewards good credit with lower insurance costs. Poor credit bumps up rates.
Coverage options: Minimum liability is cheaper than adding collision, comprehensive, and other extras.
Deductibles: Choosing higher deductibles on collision and comprehensive lowers premiums.
Discounts: AAA offers several discounts on both membership and insurance.

Vehicle-Based Factors that Affect Your Rate

Year/make/model: Your specific car impacts the repair costs and theft risk used when calculating premiums. Sports cars and luxury brands cost more.
Age of vehicle: AAA charges more for new cars and less for older ones, which are cheaper to repair and replace.
Performance level: High-powered engines have higher rates. Electric and hybrid vehicles often qualify for green car discounts.
Safety features: Cars with air bags, anti-theft systems, and other advanced safety tech qualify for discounts.

AAA considers all these criteria and more when generating a premium quote tailored to you. Each factor gets weighed based on loss data specific to California drivers.

Average Cost of AAA Auto Insurance by Profile

To get an idea of how rates vary based on risk factors, here are some sample AAA premiums in California for minimum full coverage on a 2018 Honda Accord:

28-year old single female with clean driving record

San Francisco: $1,756 per year
Los Angeles: $1,644 per year
Sacramento: $1,368 per year

40-year old married male with 1 speeding ticket

San Francisco: $1,436 per year
Los Angeles: $1,332 per year
Sacramento: $1,104 per year

17-year old single male with 1 minor accident

San Francisco: $4,752 per year
Los Angeles: $4,456 per year
Sacramento: $3,864 per year

60-year old married female with excellent credit

San Francisco: $1,092 per year
Los Angeles: $1,020 per year
Sacramento: $876 per year

Drivers in urban centers like San Francisco and LA pay an average of 25% more than those in smaller metro areas. Rates go up and down dramatically based on age, driving history, and credit.

AAA's actual quotes are highly personalized using dozens of risk factors. Get an online quote for rates tailored to your situation.

Ways AAA Members Can Save on Auto Insurance

AAA offers many ways for its members to lower their premiums beyond just safe driving and comparison shopping.

Bundle Home and Auto Insurance

AAA allows you to insure both your home and car together for a multi-policy discount of up to 15%. Bundling can save several hundred dollars per year.

Pay in Full

Opting to pay your entire 6-month or 12-month premium up front rather than monthly qualifies you for a discount of up to 10% with AAA.

Take a Defensive Driving Course

Completing an approved defensive driving course gets you a discount of 5% or more with AAA. These courses teach accident prevention skills.

Upgrade Safety Features

Adding approved safety and anti-theft devices to your car, like alarms and ignition kill switches, can lower your rates. AAA offers up to 15% off.

Choose Higher Deductibles

Increasing your deductibles to $500, $750 or $1,000 brings premium savings of up to 30% with AAA. Just prepare to pay more out of pocket for repairs.

Reduce Mileage

Drivers who keep mileage low under specific thresholds save with AAA. Reducing your annual mileage saves on wear-and-tear costs.

Enroll in AAA Member Rewards

AAA loyalty program provides up to 20% cash rewards on insurance purchases to redeem on future policies. loyal customers can save the most.

Maintain an Excellent Credit Score

Good to excellent credit (scores above 760) qualifies AAA members for the lowest rates on their auto insurance.

Taking advantage of AAA discounts and policy options allows drivers to maximize savings on their coverage. Compare and discuss options with a local AAA agent.

How to Get a AAA Insurance Quote and Purchase a Policy

If you want to experience the highly-rated claims service, roadside assistance, and discounts offered by AAA, here's how to get a free quote and sign up for coverage:

Online

Visit AAA.com, select Insurance, and fill out the quote form. It takes about 15 minutes to complete.
You'll need your driver's license, VIN numbers, and policy details if transferring.
Getting AAA quotes from multiple companies ensures competitive pricing.

Phone

Call 800-AAA-HELP (800-222-4357) and speak with a licensed agent to get a quote.
Ask what discounts you may qualify for as a AAA member.
Discuss coverages and limits to build the right policy.

Local Agent

Make an appointment with your local AAA branch and bring your driver's license and proof of insurance.
An agent will provide quotes for minimum and optional coverage.
Agents can offer guidance to new drivers or others less familiar with car insurance.

To buy a policy and activate benefits like roadside assistance, you'll need an active AAA membership. Cost depends on your location but averages around $60-$90 per year. Membership is not required for some types of insurance.

AAA offers installment plans to divide payments into more manageable monthly bills. Ask about this option if needed.

The AAA Claims Process and Customer Service

Understanding how AAA handles claims and assists customers is key to getting the most out of your policy. Most policyholders are quite satisfied with their experiences.

Claims Processing

AAA makes filing a claim quick and simple:

Online - File a claim 24/7 on AAA's website. Upload photos and details of the accident or damage.
By Phone - Call your local AAA club or agent's office to speak with a claims adjuster and start the process.
In Person - Visit your local branch to provide your policy and vehicle information in-person during business hours.

AAA prides itself on fast claims handling. Most damage claims are assessed within 3-5 business days after filing. Payments are delivered promptly once claim details are verified.

Customer Service Experience

AAA earns consistently high ratings for service quality and member satisfaction:

A+ rating with Better Business Bureau with lowest complaint ratio in industry
90% customer satisfaction rating on claims handling speed and fairness
"Distinguished" rating for auto insurance from independent researcher J.D. Power
High marks for friendly, responsive agents and 24/7 roadside assistance

Local Agent Support

AAA has over 1,000 neighborhood agent offices across its coverage areas. Agents are always on hand to answer questions, assist with claims, and provide expert guidance for all your insurance needs.

AAA's strong reputation for claims and service gives members peace of mind that they'll be taken care of quickly in the event of an accident or vehicle breakdown.

AAA Car Insurance Company Overview

AAA has been in business for over a century and maintains excellent financial strength and stability:

Year Founded: 1902 in Chicago as the American Automobile Association
Regional clubs offer AAA services in all 50 states, Puerto Rico, and Canada
Provides insurance through AAA clubs and independent reciprocal insurance exchanges
Leadership: CEO is Marshall Doney, President/COO is John Boyle
70 million roadside assistance calls handled per year

AAA is backed by top ratings from insurance rating agencies:

A.M. Best Financial Strength Rating: "A" Excellent
Standard & Poor's Rating: "A+" Strong

These ratings reflect AAA's substantial assets, reliable claims processing, and overall stable fiscal position. Drivers can trust AAA to deliver ongoing car insurance coverage and services.

With over a century of experience protecting drivers, AAA is an established industry leader renowned for quality customer service. Review your options and get a free quote to see how AAA can help keep you and your vehicle safe on the road.

FAQs

Does AAA offer month-to-month car insurance?

AAA only offers standard 6-month or 12-month car insurance policies. It does not currently offer month-to-month plans.

Is AAA car insurance available nationwide?

AAA operates regionally under different club names like AAA Southern New England and AAA Carolinas. It offers insurance in most states but is not available nationwide.

How much is AAA car insurance per month on average?

AAA car insurance costs $100 - $150 per month on average. Rates vary significantly based on factors like age, location, driving record, and policy limits.

Is AAA car insurance cheaper than State Farm or Geico?

AAA insurance tends to be a little more expensive than top insurers like State Farm or Geico on average. However, rates can vary greatly based on individual factors. It pays to compare quotes.

Does AAA offer usage-based or telematics car insurance?

Yes, AAA offers a usage-based program called Auto Club Drive Insurance in some states. It uses a telematics device to track mileage and driving habits to determine personalized premiums.

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