AAA Auto Insurance Coverage

Posted by

Founded in 1902, the American Automobile Association, also known as AAA, is one of the most popular auto insurance companies. This company also offers auto insurance that comes from a different regional insurance company that works under similar names. This car insurance company is ranked as one of the best insurers in the country.

AAA Auto Insurance Coverage

AAA provides every tier of car insurance that meets the minimum state standard and offers competitive rates. To learn more about AAA auto insurance, you can spare a few minutes to read through this blog post.

Types of AAA Auto Insurance Coverage

AAA Auto Insurance provides the standard coverage options that you would expect from any car insurance company, which include liability coverage, comprehensive coverage, collision coverage, and underinsured/underinsured coverage.

  • Liability Coverage: This type of coverage is required in almost every state. The liability insurance covers the cost if someone’s car is damaged by you in an accident.
  • Uninsured and underinsured motorist coverage: this type of coverage covers you if an uninsured driver causes an accident.
  • Personal injury protection: this is also known as PIP coverage, and it helps cover the cost if you are involved in an accident, regardless of who is at fault.
  • Collision coverage: this covers the cost of the damage done to your car in an accident, regardless of who is at fault.
  • Comprehensive coverage: this covers any non-collision damage to your car, such as vandalism, fire, flood, animal-related damages, and theft.
  • Medical payments coverage: this is also known as MedPay, and it helps with the medical costs for you and your passengers if you are involved in an accident. This is usually a low amount of coverage, which ranges from $1,000 to $10,000.
  • Roadside assistance: This covers towing, fuel delivery, battery jumpstarts, flat tires, locksmith services, and winching. Most insurance companies consider roadside assistance as extra coverage that needs an extra charge. AAA provides roadside assistance coverage as a basic part of your car insurance policy.

The above-mentioned are the types of coverage that AAA offers for auto insurance.

AAA Auto Insurance: Additional Coverage

AAA offers several endorsements that you can add to your insurance policy, as well as some perks from being a member of AAA. Here are some add-ons that AAA offers:

  • Rental reimbursement: this covers the cost of a rental car for up to a month while your car is being repaired after an accident.
  • Accidental death and dismemberment: it covers the cost of certain injuries, such as the loss of a foot or hand, a complete loss of sight, or even the death of the named policyholder.
  • Custom equipment: this covers items that were not installed by the car’s original manufacturer, such as custom rims or stereo equipment.
  • Economic only uninsured motorist: this is a version of UM/UIM that only covers the total cost of injuries to you and the passengers of your vehicle if you are hit by an underinsured or uninsured driver.
  • Gap coverage: this covers the difference between what you owe on your car and the actual cash value in the case of a total loss.

AAA offers several add-ons to add to your auto insurance policy to suit your needs.

How Much Does AAA Auto Insurance Cost?

According to research, the average rate for a full insurance policy from AAA is around $238 per month, or $2,852 per year. This estimate for auto insurance is based on the combined average costs of CSAA Insurance Group, Auto Club Group, and Auto Club Enterprises. This is because AAA provides its insurance policies via regional partners; the rates can vary greatly depending on the partner that covers your region.

AAA Auto Insurance Discounts

AAA offers several discounts to their policyholders to help them reduce the cost of their insurance policy. Here are the discounts that AAA offers:

Loyalty Discount:

You can get a discount after a year of continuous coverage with AAA.

Good Student Discount:

There is also a discount if you have a driver who is under the age of 25 on your AAA policy who is a student and has a GPA of 3.0 or even higher.

Low-Mileage Discount:

If you don’t drive much, then you can also earn a discount on your AAA auto insurance.

Multi-Car Discount:

Get a discount on specific coverage when you insure more than one vehicle on the same insurance policy with AAA.

New Car Discount:

When you buy a new car, you will be able to qualify for a discount.

Multi-Policy Discount:

Add several AAA policies, such as renter coverage, auto, or home insurance, to save money on your insurance policy.

Paperless Discount:

You can get a discount by getting your insurance billing and communication electronically.

Safe Driver Discount:

You can complete an approved defensive driving course to save at least 20% on your auto insurance.

Paying-in-full Discount:

You can also save money by paying your premium in full at the start of your AAA policy.

Safety Feature Discount:

Certain safety features in your car, such as airbags and anti-theft devices, can help you earn a discount.

Professional Discount:

AAA provides discounts to drivers in professions such as accounting and engineering.

Student Away Discount:

You can be eligible for a discount if you have a student who goes to school at least 100 miles from home.

Safety Inspection Discount:

You can get a safety inspection from AAA to save money on your insurance policy.

Teen Driver Training Discounts:

You can also save money if a qualified student on your AAA insurance policy completes a AAA-approved driver training course.

Tracking App Discount:

You can use the AAA tracking app to keep track of your driving history and get a discount for safe driving.

With AAA, you can save money on your insurance policy thanks to the discounts it offers.

AAA Insurance Claims

The option AAA provides makes it very easy to file a claim. The policyholder fills out a form online or contacts the AAA Accident Assist hotline to handle it over the phone. As soon as the claim is filed, the accident assistant instantly dispatches roadside assistance to tow the vehicle and start the claim process.

Is AAA Good Car Insurance?

AAA’s rates are some of the best among several insurance companies. This insurance company is the best if you are looking for cheap car insurance.

How Do I Cancel AAA Insurance? 

If you want to cancel your AAA insurance policy, you will need to contact their customer service. To get the customer service number, you can visit the official website. You can also contact a local AAA branch.