AAA Insurance: Overview & Policy Details

AAA Insurance is a trusted name in insurance. They offer various coverage options for both family members and individuals. They’re renowned for their excellent customer service and extensive policy that safeguards cars houses, lives as well as travel. If you require basic insurance security or more robust insurance, AAA Insurance has customizable plans that will fit your requirements and financial needs.

In this post, we’ll review the many options that AAA provides, the advantages of choosing AAA, and some tips for making the most out of your insurance plan.

What is AAA Insurance?

AAA Insurance is an extremely well-known and known service provided through AAA Insurance, a subsidiary of the American Automobile Association (AAA) with been assisting for many years to its members across North America.

Although AAA is known for its emergency roadside assistance as well as travel services it also offers a variety of insurance policies to suit various demands. AAA Insurance includes auto, life, and home, as well as specialized policies such as motorbikes, renters as well as travel insurance.

AAA Insurance is recognized for the personal service it provides to customers and affordable rates. The company offers a variety of insurance options for families and individuals. Benefits include discounts on different policies, an extensive range of service providers as well as a reputation for the reliability of their services, AAA Insurance aims to ensure customers’ confidence and financial security in a variety of situations.

Where is AAA Locations

AAA provides car insurance through various auto insurance companies across the United States. The three largest AAA groups and their areas of service include:

1. Auto Club of SoCal: Serves Alabama, Arkansas, California, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Missouri, Mississippi, New Hampshire, New Mexico, Ohio, Pennsylvania, Texas, Virginia, Vermont, and West Virginia.
2. Automobile Club Group: Covers Florida, Georgia, Iowa, Illinois, Indiana, Michigan, Minnesota, North Carolina, North Dakota, Nebraska, South Carolina, Tennessee, and Wisconsin.
3. CSAA Insurance Group: Operates in Arizona, California, Colorado, Connecticut, Delaware, Washington D.C., Idaho, Indiana, Kansas, Kentucky, Maryland, Montana, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Utah, Virginia, West Virginia, and Wyoming.

These organizations may not provide coverage for each county in your state even if it’s included. If you’re an existing member but there is no AAA insurance company in the area or in your area, the local club may have a partner that can help you obtain insurance coverage.

AAA Auto Insurance Coverage Options

AAA offers different insurance options based on your location because it works with several insurance groups. However, AAA can provide all the basic coverage types. Some specific coverages may only be available in certain areas and usually require extra payment beyond a standard policy. To find the coverage you need, it’s best to talk to a local AAA agent.

Here are the most common types of coverage offered by AAA, according to ValuePenguin:

• Bodily Injury Liability: This is required in most states and pays for injuries to others when you are at fault in an accident.
   
• Property Damage Liability: This covers damage to someone else’s property when you are at fault in an accident.
• Collision Coverage: This pays for repairs or replacement of your vehicle if you hit another vehicle or a stationary object like a tree or fence.
• Comprehensive Coverage: This covers damage to your vehicle from events beyond your control, such as weather, theft, vandalism, or hitting an animal.
• Uninsured and Underinsured Motorist: This covers your medical bills and property damage if the at-fault driver has no insurance or insufficient insurance.
• Personal Injury Protection: This covers medical costs for you or your passengers after an accident, including income loss, funeral expenses, and childcare.
• GAP Insurance: This covers the difference between your car’s value and what you owe on a lease or loan if your car is totaled.
• Rental Reimbursement: This pays for a rental car while your vehicle is being repaired.
• Rental Car Insurance: This covers you while driving a rental car.
• Non-owners Insurance: This protects drivers who do not own a vehicle but drive frequently.
• Pet Coverage: This pays for your pet’s medical expenses if injured in a traffic accident.
• Accident Forgiveness: This ensures your first accident won’t increase your insurance premiums.
• OEM Exterior Repair: This pays for original parts to be used in external repairs of your vehicle.

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AAA Auto Insurance Rates

The cost of auto insurance from AAA depends on where you live. AAA is made up of different auto clubs in each state. Overall, AAA offers affordable rates. According to WalletHub, here are the average annual rates for some major insurance providers compared to AAA: State Farm: $1337, Progressive: $985, Geico: $1060, and AAA: $961.

AAA has low rates for all ages. People who are 55 years old pay the least each month, while 18-year-olds pay the most. Here are the monthly rates for AAA by age group:

• 18 years old: $143
• 21 years old: $75
• 45 years old: $48
• 55 years old: $45
• 65 years old: $51

AAA Discounts

Motor1 found that drivers save an average of $749 by switching to AAA. Discounts vary by state and county, but here are some common ones:

• Member Discount: Members get discounts based on how long they have been with AAA.
• Safety Inspection: AAA offers a discount on your monthly premium if you let them inspect your vehicle.
• AAADrive or AAA OnBoard: These apps track your driving habits and reward you with discounts for safe driving.
• Safe Driver: Complete an approved defensive driving course to save up to 20% on your AAA policy.
• Multiple Car: Insure more than one vehicle and save up to 27%.
• Multiple Policy: Bundle your auto insurance with homeowners, condo, renters, or life insurance for savings.
• Pay-in-full Discount: Pay for a year of insurance upfront to lower your policy cost.
• Paperless Billing: Sign up for paperless billing to get a discount.
• Loyalty Discount: After one year with AAA, you receive a 5% discount.
• Safety Features: Discounts are available if your car has seatbelts, airbags, or anti-theft features.
• Homeowners Discount: Homeowners can save up to 37% on auto insurance.
• New Car Discount: Cars less than 3 years old can save 30% with AAA.
• Professional Discount: Scientists, doctors, engineers, CPAs, and educators may get a 7% discount.

AAA has been serving customers for over 100 years. Visit their website today for a free auto insurance quote from the original American Automobile Association. For more information and resources on car insurance, check out their site.

Average AAA Insurance Costs by Age

Age	Monthly Estimate	Annual Estimate
16	$899	$10,789
25	$269	$3,228
35	$238	$2,856
45	$228	$2,739
55	$464	$5,565

Type of Insurance offer By AAA Insurance

AAA Insurance offers a diverse selection of insurance products that satisfy a variety of requirements. These are the most popular types of insurance available:

1. Auto Insurance: AAA offers an extensive auto insurance policy which includes collision, liability and complete protection. Policies can be tailored with additions like roadside assistance, rental vehicle insurance, and even accident forgiveness.
2. Home insurance: The AAA home insurance plans provide the damage to your home and personal property from risk like theft, fire, and vandalism. They also provide liability coverage should someone be injured in your house.
3. Life Insurance: AAA offers life insurance plans that include term life, whole-life, as well as universal life insurance. These plans focus on providing financial security for your loved family members in the event your passing, helping pay for costs and assure the financial stability of your family.
4. Renters insurance: for those who lease their residence, AAA provides renters insurance to safeguard personal possessions from destruction or loss due to fire or vandalism. Also, it provides liability insurance for any accidents that could occur in the rental home.
5. Motorcycle Insurance: AAA provides insurance for motorcycles which covers damage to your motorcycle and responsibility for damages or injuries that you cause to others as well as protection against theft and vandalism.
6. travel insurance: AAA provides travel insurance that covers cancellation of trips as well as medical emergencies overseas and delayed or lost luggage. This protects travelers from unexpected incidents that could impact their travel plans.
7. Boat Insurance: AAA provides insurance for watercraft and boats which covers damage caused by theft, and accidents, as well as the liability for damages or injuries caused to other people while operating your boat.
8. Umbrella insurance: AAA’s umbrella insurance gives more protection against liability that goes over the limit of home or car insurance. It also provides extra protection from major lawsuits and claims.

Each of these types of insurance can be customized to meet your requirements, offering comprehensive security and peace of mind throughout all aspects of your life.

AAA Car Insurance Policy Options

Depending on your local AAA club, you may have access to the following coverages:

1. Gap Insurance: This insurance covers the difference between what your car is worth and what you owe on your loan if your car is totaled.
2. Accidental Death Benefits (ADB): ADB can help pay for funeral costs if you die in a car accident and don’t have life insurance.
3. New Car Added Protection: If your car is totaled, this option may help pay for a replacement vehicle.

Additionally, if you have AAA insurance, you can use their roadside assistance. All AAA roadside assistance plans include:

• Towing
• Locksmith services
• Tire changes
• Jump-starts
• Fuel delivery

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Final Thought:

AAA Insurance is a reliable choice for a variety of insurance options, including life, auto, home, and travel insurance. They have a reputation for their excellent customer service and have a variety of choices for policy options for both individuals and families. AAA offers plans that meet various budgets and requirements depending on whether you need basic protection or more comprehensive coverage. 

This article explains the fact that AAA provides affordable rates, and discounts as well as a long-standing history of trust. If you are looking for low-cost and reliable insurance, AAA Insurance is the best opportunity to think about.

Frequently asked questions: