AAA is a federation of regional auto clubs that also act as insurance agencies. It offers every tier of car insurance required by state law, including bodily injury and property damage liability.
AAA’s insurance is generally competitive, though some drivers pay more than others. It’s also known for generous perks, such as 24/7 roadside assistance and travel planning services.
Coverage options
When shopping for car insurance, it’s important to consider the type of coverage you want and need. You also need to consider the costs of the coverage options that are available.
The cost of a car insurance policy depends on several factors, including the vehicle you drive and your age. Younger drivers and those with a driving history of accidents or traffic violations generally pay higher rates than older, safer drivers.
Minimum coverage limits are required by each state. AAA and Progressive offer a wide range of coverage options, but some additional coverages are only offered in certain areas.
Enhanced total loss replacement coverage allows you to replace your vehicle with a newer model if it’s damaged or stolen in a crash. This option is usually available for an additional cost, and it typically pays up to the actual cash value (ACV) of the vehicle at the time of the accident.
Gap coverage is another feature that may be available for an additional cost, and it covers the difference between the ACV of a vehicle and what you owe on a loan or lease if the car is stolen or damaged in a crash. This feature also helps you cover the expenses of a rental car while your car is being repaired or replaced.
In addition, AAA offers rideshare insurance for those who use their personal cars to drive for a ridesharing company. This is a popular choice among those who make their living by driving for a commercial service, as it may be easier to secure the coverage you need than through traditional insurance.
The company also has an optional feature called AAAdrive, which tracks your driving habits and rewards you with discounts based on those habits. The app looks at your speed, mobile phone use and time of day you drive to identify potential risks and rewards you with discounts if those risk factors are reduced or eliminated.
Claims service
Regardless of the type of policy you choose, you will need to report a claim if you get into an accident. Your insurance company will have a claims representative who can help you with this process and answer any questions you may have. They will also help you with anything else related to the incident, such as filing a police report.
When reporting a claim, you should have all the facts at hand, such as the date and time of the accident, your contact information, and the location where the accident occurred. You should also have any other information that would be helpful in determining fault or the severity of the damages.
The good news is that the process of filing a claim is simple and efficient, and you can expect a quick turnaround in most cases. Your representative will contact all parties involved, take statements, and review the damage to your car. If you have collision or comprehensive coverage, they will also work with repair shops to determine the cost of repairs and make arrangements for towing if necessary.
In addition to the above, you may want to consider AAA’s small-claims forgiveness, which is a benefit that can save you money over the long run. This feature can reduce the deductible on your comprehensive and collision coverage.
While most auto insurers offer this kind of feature, you should be sure that it’s actually available and works for your situation. It can be a great way to reduce your monthly premiums, especially if you have a safe driving record or live in a safe neighborhood.
If you are dealing with an insurance company that doesn’t handle its insurance claims properly, it is wise to consider hiring a lawyer to represent your interests in court. The right attorney will have extensive experience with auto insurance companies and can help you with all the details of your case.
Finally, you should know that AAA is a very well-rounded company that has strong financial backing, thanks to its inter-company pooling agreement with the American Automobile Association (AAA). The company is also backed by the Automobile Club Securities Corporation (ACSC). This backing helps ensure that your policy will be paid out when you need it most.
Discounts
Getting discounts on your car insurance is a great way to reduce your annual premiums. While discounts vary from company to company, you can often find savings based on your location, driving record and other factors. Some companies offer loyalty discounts and disappearing deductibles, while others focus on specific coverages or services.
AAA offers a variety of discounts that can save you money on your car insurance policy. These include a good driver discount, a multi-product discount and discounts for taking an approved defensive driving course.
The good driver discount rewards drivers with a clean driving record by reducing their premiums. The discount typically applies to customers who have no lapses in coverage and no claims or accidents within the past three years.
A good student discount can also reduce your annual premiums if you or someone on your policy has a high school or college education and a GPA of at least 3.0. This discount can be especially useful for teen drivers who are looking to get a better rate on their auto insurance.
Another common discount is a low mileage discount, which can help you save money on your insurance policy if you don’t drive as much as you used to. This discount can be worth up to 27% if you drive less than 7,500 miles a year.
You can also get a discount by adding an anti-theft device to your vehicle. Many insurers will give you a discount on the comprehensive portion of your policy if you add a certified theft prevention system to your car.
Additionally, some car insurance companies offer a low-mileage discount for drivers who are low risk. This is available if you have no driving infractions on your record and drive less than 7,500 miles per year.
In addition to these discounts, AAA offers a safe driving program called AAADrive that uses a telematics device to monitor your driving habits. It will send you a notification if your speed or other driving behaviors are above preset parameters that you can set.
You can also save by insuring multiple vehicles with one company, taking an approved defensive driving course, and being a member of a professional group or alumni association. These discounts can reduce your car insurance rates even more.
Payment options
You’ll be glad to know that your aaaa car insurance company offers several different payment options for you to choose from. This includes one-time payments, monthly installments, and annual premium payments. The best part is that these plans can be tailored to your specific needs and budget.
The biggest question you need to ask yourself is whether you want to pay your premium in installments or as a lump sum. The latter option is more convenient for most people, but you’ll need to weigh your needs against the cost of a lump sum. If you can afford to pay your premium outright, you’ll likely save money in the long run.
Another way to save money on your auto insurance is to use a credit card with rewards program, which can offer a discount of up to 20%. You’ll also want to look into a credit card that comes with fraud protection, which can help you avoid being ripped off.
If you’re looking to find the best insurance deal possible, take a look at AAA’s online quotes tool, which can provide you with the best rates available in your area. The site also has a handy calculator to help you figure out exactly how much you’ll need to spend on your new policy.
The most important thing to remember when shopping for the best car insurance is that it should be affordable, easy to manage, and backed by a reputable company. A good aaaa car insurance company will also offer a variety of perks and services, including roadside assistance, which can be invaluable if you ever need to file a claim.
