AAA auto insurance pros and cons
| Pros | Cons |
|---|---|
May receive an auto insurance discount for being a member of AAA. | Insurance products differ depending on where you live. |
Multiple insurance products offered. | May require AAA membership. |
You may have to change AAA insurance providers if you move states. |
AAA auto insurance
We looked at the three largest AAA auto insurance companies by market share in the U.S. To see specific counties in California served by CSAA Insurance Group and Auto Club of SoCal, see our Best Cheap Auto Insurance in California page.
When you're shopping for car insurance coverage, it's important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
Since AAA insurance comes from separate companies operating in many states, coverage options will depend on where you live. All insurers are required to offer state-mandated coverage where they operate. Most, including the three AAA affiliates we reviewed, also offer uninsured motorist protection, medical payments coverage, comprehensive coverage and collision coverage.
Also ask about the following types of coverage, which at least some AAA companies offer:
Gap insurance, which pays the difference between your car’s value and the balance of your loan or lease if the car is totaled or stolen.
OEM exterior repair coverage, which pays for original equipment manufacturer parts instead of aftermarket parts for covered external body repairs.
New car replacement, which pays for the value of a new vehicle if your car is declared a total loss. Your car will be replaced with a vehicle of the same make and model. This coverage is typically available only if you own a newer car.
Better car replacement, which pays for a car one to two years newer than your vehicle if it’s totaled in a crash. You may be able to purchase this coverage if your car is too old to qualify for new car replacement.
Rideshare insurance, which ensures you’re always covered during your rideshare job. Typical insurance from ridesharing companies only covers the period between accepting a ride and dropping off a customer.
Auto insurance discounts
Most customers with AAA auto insurance receive a discount for being a AAA member. You may also be able to save by:
Being an alum of certain schools.
Having certain factory-installed safety equipment.
Owning a car with approved theft prevention devices (discount on comprehensive coverage).
Having continuous auto insurance coverage from AAA.
Meeting AAA’s standards for a safe driver.
Earning good grades if you’re a student.
Having a student on your policy who keeps their car at home while they’re away at school.
Completing a driver training course.
Insuring more than one vehicle with AAA.
Buying multiple insurance products from AAA.
Paying your premium in full.
Paying electronically and setting up automatic payments.
Being in the military.
Being a AAA employee or member.
Owning a new car.
Owning a home.
Like most insurers, AAA’s insurance companies offer many discounts, but they differ by state and company, so check with your local AAA club to see which are available to you.
Pricing based on tracked driving habits
AAAdrive is a feature on the AAA app that looks at driving factors like speed, mobile phone distraction, time of day you drive and fatigue Members receive a discount based on their driving habits in addition to a discount for signing up.
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