AAA Auto Insurance Review: Is It the Right Choice for You?

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When it comes to choosing an auto insurance provider, there are countless options available. AAA is one such company that has been providing insurance services since 1902. In this review, we will take a closer look at AAA auto insurance policies, coverage options, discounts, customer service, and more. Let’s dive into the details and find out if AAA is the right choice for you.

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AAA Auto Insurance Policies

AAA offers a variety of auto insurance policies, including liability, collision, comprehensive, personal injury protection, and uninsured/underinsured motorist coverage. Let’s explore each of these policies in detail.

Liability Coverage

Liability coverage is mandatory in most states and covers the cost of damages and injuries if you are found responsible for an accident. AAA offers liability coverage up to $500,000 per accident. This policy also covers legal fees if you are sued for damages.

AAA also offers umbrella insurance, which provides additional liability coverage in case you are involved in an accident and the damages exceed your policy limit. It’s a great option for those who want extra protection.

Collision Coverage

Collision coverage pays for damages to your car if you are involved in an accident, regardless of who is at fault. AAA offers collision coverage with a deductible ranging from $250 to $1,000. You can choose the deductible amount based on your budget and needs.

Comprehensive Coverage

Comprehensive coverage protects against damages caused by events other than accidents, such as theft, vandalism, or natural disasters. AAA offers comprehensive coverage with a deductible ranging from $0 to $1,000. You can choose the deductible amount based on your preference.

Personal Injury Protection

Personal injury protection (PIP) covers medical expenses and lost wages if you or your passengers are injured in an accident, regardless of who is at fault. AAA offers PIP coverage with limits ranging from $10,000 to $100,000.

Uninsured/Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage protects you if you are involved in an accident with a driver who has no insurance or insufficient coverage. AAA offers this coverage with limits ranging from $25,000 to $500,000.

AAA Auto Insurance Coverage Options

AAA offers several coverage options that you can add to your policy for additional protection.

Roadside Assistance

Roadside assistance is included in all AAA auto insurance policies. This coverage provides assistance if your car breaks down, you run out of gas, or you lock yourself out of your vehicle. It also includes towing services if your car cannot be driven.

Rental Car Reimbursement

If your car is in the shop for repairs after an accident, AAA offers rental car reimbursement to cover the cost of a rental car. This coverage has limits ranging from $30 to $70 per day.

Pet Coverage

If your pet is injured while riding in your car, AAA offers pet coverage to pay for veterinary bills. This coverage has limits ranging from $500 to $1,000.

AAA Auto Insurance Discounts

AAA offers several discounts to help you save money on your auto insurance premiums.

Multi-Policy Discount

If you have other insurance policies with AAA, such as home or life insurance, you can qualify for a multi-policy discount on your auto insurance.

Safe Driver Discount

If you have a clean driving record, you can qualify for a safe driver discount. AAA also offers an accident forgiveness program that allows you to avoid a rate increase if you have one accident.

Good Student Discount

If you are a student with good grades, you can qualify for a good student discount. This discount is available for full-time students who maintain a certain GPA.

AAA Auto Insurance Customer Service

AAA is known for its excellent customer service. The company has a 24/7 customer service line that you can call for assistance. AAA also has a mobile app that allows you to access your policy information, make payments, and request roadside assistance.

AAA Auto Insurance FAQ

How do I file a claim with AAA auto insurance?

You can file a claim with AAA by calling their claims department at 1-800-922-8228 or by submitting a claim online through their website.

Do I need to be a AAA member to get auto insurance?

No, you do not need to be a AAA member to get auto insurance. However, being a member can provide additional benefits and discounts.

How long does it take to get a quote from AAA?

You can get a quote from AAA in just a few minutes by calling their customer service line or submitting a quote request online.

What payment options does AAA offer?

AAA offers several payment options, including online payments, automatic payments, and payment by mail.

Does AAA offer roadside assistance for motorcycles?

Yes, AAA offers roadside assistance for motorcycles as part of their auto insurance policies. They also offer standalone motorcycle insurance policies.

Policy Type
Minimum Coverage Limit
Deductible Range
Liability
$500,000 per accident
N/A
Collision
N/A
$250 – $1,000
Comprehensive
N/A
$0 – $1,000
PIP
$10,000 – $100,000
N/A
Uninsured/Underinsured Motorist Coverage
$25,000 – $500,000
N/A
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