Founded in 1902 as the American Automobile Association, AAA has been insuring its members since 1928. Over the years, the company has been at the forefront of driver and traffic safety and has received great praise for the strides it has made in these fields. Today, AAA is one of the largest auto insurers in the world, with more than 51 independent auto clubs and 50 million members in North America. While it is best known for its auto insurance, AAA also offers several other types of coverage. Note that in order to purchase coverage of any kind from AAA, you will need to first become a AAA member.
AAA Insurance has been specializing in automobiles for more than a century, and the automotive benefits they offer are better than average. Types of auto coverage available from AAA include comprehensive collision, liability, medical, and uninsured motorist. Customers can also sign up for accident forgiveness and add rental car reimbursement from $30 up to $900 per day. AAA is perhaps best known for its outstanding roadside assistance program, known as AAA Accident Assistance, which is one of the best on the market. In addition to auto insurance, AAA also offers homeowner’s, life, health, and renter’s insurance, as well as other financial services.
A variety of discounts are available through AAA, including those for safe driving, low mileage, having a vehicle with certain safety features, and adding a student to your policy. Further discounts are available for those who purchase more than one type of insurance from AAA.
It is important to note that because it is made up of dozens of independent auto clubs, the exact discounts, benefits, and options available to members may vary from one region (i.e., one club) to the next. Keep this in mind when looking at quotes and other information online.
Financial Strength and Customer Satisfaction
AAA Insurance is a financially stable company and has been awarded an A+ (superior) ranking by A.M. Best. Rankings such as these are important, as they indicate the financial strength and stability of a company and thus that company’s ability to pay out claims in the future. AAA also enjoys mostly positive reviews from customers and was ranked third in a recent customer satisfaction survey by J.D. Power & Associates.
A fantastic roadside assistance program and an easy, streamlined claims process set AAA apart from many of their competitors. While it is not the cheapest coverage on the market, AAA offers a solid range of benefits and discounts. One of the biggest drawbacks is the fact that one needs to be a member of the AAA Auto Club in order to purchase coverage from the company – coverage which will be lost if you fall behind on your membership fees. Of course, if you already are a member, then there are great incentives to purchase multiple types of insurance through AAA.
Overall, this company is a great choice for anyone looking to take advantage of Accident Assistance, including those with older or unreliable cars or who live in areas with poor roads or bad weather. Anyone looking for a particularly smooth and hassle-free claims process should also consider getting coverage through AAA.