When it comes to discovering what kind of insurance coverage AAA offers, you will find that the AAA website isn’t much help. The problem is, the company doesn’t provide a simple list of the car insurance options that it has; nor does it discuss its deductible options. What’s more, its website varies by region, meaning you may find something on one site but not another.
After much searching, a list of the available car insurance options was found. AAA offers liability, collision, comprehensive, uninsured/underinsured motorist, customer, electronic or extra equipment coverage, rental car coverage, and medical payments insurance.
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In an example AAA shares on its website, the company mentions a deductible of $500. What’s more, it mentions a separate deductible for both the collision and comprehensive coverage. Typically, insurance companies don’t separate the different deductible types, but it still boils down to having a $500 deductible per incident. In all likelihood, AAA offers deductibles that range from $250 to $1000.
Where does AAA offer car insurance?
AAA offers car insurance in all 50 states. It does not provide insurance for Canada or for any other country outside of the U.S. However, when you buy car insurance through AAA, you may be using AAA as an independent agent rather than an auto insurance carrier.
You see, AAA offers direct car insurance to Florida, North Carolina, and South Carolina through Auto Club South Insurance Company (ACSIC). All other insurance is sold through Infinity, MetLife, Progressive, Safeco, or Travelers.
In order to learn more about the insurance that is offered in your area, you must type in your zip code prior to entering the AAA website. The reason for this is that AAA has regional offices in different areas. What is available at one region may not necessarily be available in another region, so knowing to visit the company’s site for your area is important.
Does AAA offer any type of coverage that makes them a better choice than other car insurance companies?
Actually, AAA does offer some unique options for its customers. For example, if you have a car accident with another AAA car insurance carrier, your deductible will automatically be reduced by $250. If you have a $250 deductible, then you will not have to pay the deductible.
Another benefit is that when you choose AAA car insurance, you qualify for discounts that you don’t find with every car insurance company.
Another thing that is interesting is that AAA offers 12-month policy options, if you live in one of the states where you can buy directly from AAA. This helps to avoid increases in your car insurance should you have an incident early on in your policy.
While this isn’t a reflection on coverage, as an insurer, AAA has an “A+” rating from A.M. Best. This is a superior rating and is only one mark down from a perfect rating.
One downside that you have to consider is that, no matter which insurer you use through AAA, it doesn’t have a 12-month premium payment plan. Instead, you have to pay nine payments for a yearlong policy or four payments for a six-month policy.
What are some of the other benefits to using AAA for my car insurance?
One major benefit to using AAA is that it has created some pay as you drive insurance plans, called PAYD. These plans are designed to lower prices for its members who don’t drive as much as the typical driver. While PAYD isn’t available in every state, AAA predicts that it soon will be.
Another benefit is that AAA offers a 24/7 customer service line that you can use any day of the year. What’s more, there are more than 500 people who monitor these lines on a daily basis, which means if you have an accident, you won’t be leaving a message for an agent.
If you visit the Better Business Bureau’s website, you will find that AAA has an excellent reputation and is known for resolving the complaints registered against them to satisfaction. This ability is something that no one should overlook when considering an insurance company.
What about the cost of AAA compared to other companies?
In the states where you can purchase AAA, you will find that the company’s rates are more affordable than any other major insurance company. Of course, there are still factors to consider to ensure that you are getting the lowest rate, which is why you should always compare multiple car insurance companies.
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