car insurance scratched car AAA Car Insurance American Automobile Association, commonly referred to by its acronym AAA, is a nonprofit motor club that serves customers throughout North American. While AAA is most commonly associated with their roadside assistance services, they also offer AAA Car Insurance for motorists. Coverage options vary depending on your location but most commonly include bodily injury liability, property damage, and collision coverage. Here is everything you need to know about AAA car insurance including coverage levels, benefits, and discounts.

About AAA

Founded in 1902, AAA is a federation of motor club locations throughout North America. The company is a privately owned, member-only organization that offers services in the U.S. and Canada. Headquartered in Heathrow, Florida, the company is best known for its roadside assistance services. However, AAA is expanding its reach into other areas, offering AAA Car Insurance, financial services, and other travel arrangement services. The organization also provides vehicle financing and credit cards to members. AAA has more than 50 auto clubs operating 1,000 facilities throughout North America. These locations serve more than 56 million members. 

AAA Car Insurance Coverage Options

AAA offers insurance through several different insurance groups. Thus, options can vary depending on your location and the insurance group. However, all AAA insurers provide enough coverage to meet your state’s minimum coverage regulations. They offer basic coverage with the option to add other coverage for an additional price. Here is an overview of the most common AAA Car Insurance coverage types offered by AAA.

Bodily injury liability coverage is a type of insurance that covers other people’s medical expenses if you cause the accident. Most states require this type of coverage before you can legally operate a vehicle.

This type of coverage is part of any standard car insurance policy. It pays to repair the damage you caused to another individual’s property or vehicle. Property damage insurance will pay for damage to the other vehicle if you are at fault in the accident.

This type of coverage pays to replace or repair your automobile if you collide with another car or an object such as a tree, fence, or road sign.

Comprehensive coverage helps pay to repair or replace your automobile if damaged in an incident other than a collision. Covered events include damage from fire, vandalism, or natural disasters. Comprehensive coverage also provides financial assistance if your car is stolen.

 This type of insurance coverage provides financial assistance to cover the cost of medical costs for you or a passenger that results from a car collision. Covered services include financial expenses, lost wages, childcare, and loss of benefits.

This type of coverage is required by some states, such as Illinois. This insurance will cover your medical bills or property damage if the other motorist does not have insurance or is underinsured.

Check your state’s insurance requirements before purchasing a policy to ensure you are in compliance with local and state laws. 

AAA Car Insurance vehicles

AAA car insurance policyholders and prospective customers have access to several technology features. When you visit, you are required to entire your ZIP code and will be directed to your local chapter’s website. You can then learn more about the membership and insurance options available in your local area. 

Most AAA insurance members have access to a mobile app that allows them to manage their policy and their membership in one place. The app is available in all areas except North and South Carolina, which offers another mobile application to members. 

All AAA members and policyholders have access to around-the-clock customer service. Representatives are available to answer questions and contact roadside assistance via phone, chat, or email. AAA representatives are often ranked among the most helpful insurance customer service agents, providing timely, friendly service. 

The cost of AAA car insurance varies depending on your location, coverage options, and your driving records. Rates vary because AAA is a network of auto clubs with different regulations and service options from state to state. However, AAA offers affordable rates when compared to other major insurance providers. According to a recent study, AAA customers pay an average rate of $961 per year, while State Farm customers pay $1337, Progressive consumers pay $985, and Geico members pay $1060. 

AAA Car Insurance Discounts

AAA strives to offer discounts to its members to keep car insurance rates reasonable. While they vary by state, here are some of the typical discounts offered:  

AAA insurers also often offer discounts to members employed by certain companies or affiliated with specific professional organizations. 

Some AAA insurers also offer OEM exterior repair coverage, covering the cost of repairing original equipment manufacturer parts. Availability may vary by location. 

AAA Auto Club Membership

AAA agencies often require you to join a local AAA auto club to purchase car insurance. While this may seem like a useless expense, there are many benefits to being a AAA member. The most notable feature of AAA membership is roadside assistance, which provides emergency towing, fuel delivery, and jump-start services. 

There are three AAA membership tiers. AAA Classic membership costs approximately $55 per year and comes with four tows under seven miles per year. It also includes fuel, flat tire, dead battery, and car lockout services. AAA Plus membership costs approximately $100 per year and offers four tows up to 100 miles each. This membership tier also includes free fuel delivery, free passport photos, and car lockout services. AAA Premier membership costs about $150 per year and has three 100-mile tows and one 200- mile tow service. Other features include lockout services, trip disruption insurance, rental car reimbursement, and identify theft insurance. All membership tiers offer around-the-clock roadside assistance services. 

AAA membership is beneficial for frequent travelers. AAA partners with thousands of hotels, rental car companies, and airlines to provide benefits and discounts to members. If you purchase a trip with an AAA subsidiary, you are eligible for AAA travel insurance, which covers you for medical emergencies while on vacation. 

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