UPDATED: Sep 5, 2020
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AutoinsuranceEZ.com Rating:AAA stands for “American Automobile Association”. They started out as a lobbying body and service organization, but offer a wide variety of different services today. You may be familiar with their roadside assistance services and travel protection. But they also offer automotive insurance policies and similar financial products. The AAA network of auto clubs operates in geographically independent regions with the company headquarters residing in Heathrow, FL.
Founded in Chicago, IL, on March 4, 1902, AAA is one of the longest-running companies in the US. You may be surprised to find out that, as mentioned above, they started out as a lobbying organization to encourage state and federal government officials to do something about the deplorable road conditions which existed at the turn of the century. This dedication and passion has kept them going strong for over a century.
AAA Insurance Review
Recent customer reviews give AAA auto insurance 4 out of 5 stars according to JD Power. According to Consumer Affairs, though, customers give AAA 3 out of 5 stars. Yet AAA remains one of the highest rated vehicle insurance companies among consumers in the US. Numerous reports of highly satisfied customers can be found on independent customer review websites. Because AAA is not accredited with the Better Business Bureau, they don’t have an official rating; however, they have received 81 complaints since 2014. Only 3 of them remain unresolved.
|JD Power||4/5 Stars|
|Consumer Affairs||3/5 Stars|
|Better Business Bureau||No Rating|
AAA Insurance Discounts
AAA offers many of the more popular insurance discounts, such as discounts for good drivers and smart students. But there is more than meets the eye. The following discounts are unique to AAA and likely won’t be available from other providers:
|Discount Type||Savings and Benefits*|
|Deductible Waiver Discount||If you are involved in a collision with another AAA insurance member, $250 of your deductible will be waived. If this discount matches your deductible, your repairs are free.|
|VIN Etching Discount||Requires that you etch your vehicle’s VIN number into the window glass of your car. Since criminals can’t sell cars with intact VINs, this discount could get you 5-15% of your monthly premium.|
|Discounts at Other Businesses||When you shop at restaurants, retailers, and hotels affiliated with AAA, you could save anywhere from 5-50% on products and services.|
(*Data provided by AAA and Carinsurance.com)
AAA Auto Insurance Options
Another way companies like AAA try to get ahead of their competition is to offer unique services and forms of coverage that other automotive insurance industries don’t. And those include:
- Accident Assist Program – If you are involved in a major collision, AAA will send a staffer out to assess the damage, file a claim for you, arrange towing and rental services, and get your repairs started immediately at the nearest AAA repair center.
- Customized “TripTik” road maps and “TourBooks” travel information Bullets
- On the Go – emergency roadside service (for lockouts, flat tires, dead batteries, towing, and much more)
Comparing AAA Insurance Quotes
Educating yourself about a prospective insurance company is a great first step. But knowing more about them won’t necessarily get you the best rate in town. For that, you have to find out what they are most likely to charge you: