AAA Insurance Review & Ratings (2023)

Company Details

Address: 3055 Oak Road

City: Walnut Creek

State: CA

ZIP Code: 94597

Phone Number: (925) 279-2300

Fax: (877) 819-9064

Website: csaa-insurance.aaa.com

AM Best Rating: A+

4.12 (2,931 reviews)

Looking for reliable and affordable insurance coverage? Look no further than AAA Insurance. In this comprehensive article, we’ll provide you with an in-depth review of AAA Insurance, covering essential topics such as overall satisfaction, claims handling, cost, billing, and service satisfaction. We’ll also explore their A+ rating from A.M. Best and highlight the benefits of choosing AAA Insurance.

• AAA is one of the oldest and most established car insurance companies in the US, with over 100 years of experience in the industry.
• The company offers a wide range of coverage options, including liability, collision, comprehensive, and roadside assistance.
• AAA is known for its competitive pricing and wide range of discounts, making it a great option for budget-conscious drivers.

To ensure you find the best insurance rates tailored to your needs, enter your zip code and compare quotes from top insurance providers in your area. Don’t miss out on the opportunity to secure the coverage you deserve at competitive rates.

AAA Insurance History and Mission

AAA, or the American Automobile Association, was founded in 1902 by nine motor clubs to promote the interests of American motorists.

The company’s mission is to provide its members with reliable and affordable car insurance, as well as a wide range of other services such as roadside assistance, travel planning, and car-buying advice.

AAA is also actively involved in advocating for policies and legislation that promote the interests of its members and the motoring public.

The organization lobbies for better roads, safer driving laws, and other issues that affect motorists.

Types of Services Offered by AAA Insurance

AAA offers a wide range of car insurance coverage options to its customers, including:

• Liability coverage: This coverage is mandatory in most states and covers the costs of injuries or damage that you may cause to another person or their property while operating your vehicle.
• Collision coverage: This coverage pays for repairs or replacement of your vehicle if it is damaged in an accident, regardless of who is at fault.
• Comprehensive coverage: This coverage pays for damages to your vehicle that are caused by events other than collision, such as theft, vandalism, or natural disasters.
• Roadside assistance: AAA offers roadside assistance services to its customers, including towing, battery jump-starts, fuel delivery, lockout services, and more.
• Medical payments coverage: This coverage pays for medical expenses that you or your passengers may incur in the event of an accident.

In addition to these traditional car insurance products, AAA also offers several other services to its customers, such as:

• Travel planning and booking services, including hotels, rental cars, and vacation packages.
• Car buying advice, including new car reviews, pricing information, and vehicle history reports.
• Discounts on shopping, dining, and entertainment.
• Discounts on travel, including car rentals, flights, cruises, and vacation packages.

The availability of these products and services may vary depending on your location, so it’s best to check with your local AAA office for more information.

States Where AAA Insurance Provides Coverage

The services offered by AAA vary by state, but car insurance is typically available through AAA’s affiliated insurance companies in most states across the United States.

However, the availability of specific products and discounts may vary by state.

It’s best to check with your local AAA office or agent for specific information about the products and services that are available in your area, and if you’re eligible for car insurance with AAA.

Alternatively, you can also visit AAA’s website and use the “find your local club” feature to know if the insurance services are available in your state.

Cost of AAA Insurance

The cost of AAA car insurance will vary depending on several factors, including the following:

• Location: Car insurance rates can vary greatly depending on where you live. Urban areas typically have higher rates than rural areas due to higher traffic and accident rates.
• Driving history: Drivers with a clean driving record will generally pay less for car insurance than those with multiple accidents or moving violations.
• Age and gender: Young drivers and males tend to pay more for car insurance than older drivers and females, as they are considered to be higher-risk drivers.
• Type of vehicle: The make, model, and value of your vehicle will also affect your car insurance rates. Sports cars and luxury vehicles will generally have higher rates than more common, less expensive vehicles.
• Coverage level: The level of coverage you choose will also affect your car insurance rates. Basic liability coverage will be less expensive than comprehensive coverage that includes collision and other additional coverage.
• Discounts: As mentioned before, AAA offers a wide range of discounts, such as good driver discounts, multiple policy discounts, and safe driver discounts, that can help you save on your car insurance premium.

Without knowing specific details about you such as your location, driving history, type of vehicle, and coverage level, it’s impossible to give an accurate estimate of how much your car insurance will cost with AAA.

It’s recommended that you get a quote from the company directly or through an agent to get an accurate estimate of your car insurance premium.

Discounts Offered by AAA Insurance

AAA offers a wide range of discounts to help customers save on their car insurance premiums.

To qualify for these discounts, customers must be a member of AAA and meet certain qualifications. Some examples of discounts offered by AAA include:

• Good driver discounts: Drivers with a clean driving record may be eligible for a discount on their car insurance premium. To qualify, drivers must have had no at-fault accidents or moving violations in the last three years.
• Multiple policy discounts: Customers who have more than one policy with AAA, such as home or life insurance, may be eligible for a discount on their car insurance premium.
• Safe driver discounts: Drivers who have completed a defensive driving course or a driver education program may be eligible for a discount on their car insurance premium.
• Student discounts: Full-time students who maintain good grades may be eligible for a discount on their car insurance premium.
• Anti-theft discounts: Vehicles that have certain anti-theft devices installed may be eligible for a discount on their car insurance premium.

The amount of the discount will vary depending on the specific discount and the individual’s qualifications. However, by combining multiple discounts, customers can save a significant amount on their car insurance premiums.

It’s important to note that discounts and availability vary by state, so it’s best to check with your local AAA office or agent for specific information about the discounts that are available in your area.

AAA Insurance Customer Reviews

AAA is a well-established and reputable car insurance company, and it generally receives positive reviews from its customers.

Many customers appreciate the company’s wide range of products and services, as well as the convenience and peace of mind that come with being a AAA member.

In terms of the company’s car insurance policies, customers generally report that AAA’s rates are competitive and that the coverage options are flexible and customizable to fit their needs.

In Summary: AAA Insurance

AAA Insurance is a reputable and well-established car insurance company that offers a wide range of products and services to its members.

The company’s mission is to provide its members with reliable and affordable car insurance, as well as a wide range of other services such as roadside assistance, travel planning, and car-buying advice.

AAA is more than just an insurance company, it is a membership-based organization that provides a variety of services to its members such as emergency roadside assistance, travel planning, and discounts on shopping, dining, and entertainment.

The company’s car insurance policies are flexible and customizable to fit their needs and their rates are competitive. AAA has a good reputation for its roadside assistance service, which is prompt and reliable.