AAA is an acronym for “American Automobile Association.” AAA is a private, not-for-profit motor club that services North American locations, although anyone can join AAA for a small fee. The company got its start in 1902, creating maps, hotel guides, and curriculums for high school driving classes. Today they have over 1000 locations, including restaurants, hotels, and lodges.
AAA LocationsAAA uses several auto groups throughout the nation to provide car insurance to its customers. The three largest groups and the locations they service are:
Auto Club of SoCal: Alabama, Arkansas, California, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Missouri, Mississippi, New Hampshire, New Mexico, Ohio, Pennsylvania, Texas, Virginia, Vermont, and West Virginia.Automobile Club Group: Florida, Georgia, Iowa, Illinois, Indiana, Michigan, Minnesota, North Carolina, North Dakota, Nebraska, South Carolina, Tennessee, and Wisconsin.CSAA Insurance Group: Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Idaho, Indiana, Kansas, Kentucky, Maryland, Montana, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Utah, Virginia, West Virginia, and Wyoming.These auto groups may not service every county in your state, even if it is listed above. According to NerdWallet, If you are a member, but there is no AAA insurance provider in your area, a local club may have a partner that can provide you with coverage.
AAA Auto Insurance Coverage OptionsBecause AAA uses serval insurance groups to provide coverage, options can differ depending on your location. That being said, AAA insurers can provide all basic coverage options. Some more specific coverages are only available in particular areas. These are typically add-on coverages you pay extra for, on top of a standard policy. Your best bet is to talk with a local AAA agent to guarantee they have the coverages you are looking for.
Here are AAA’s most common coverage types according to ValuePenguin:
Bodily Injury Liability: This coverage is required by most states and pays for the cost of injury to a third party when you are at fault for a traffic accident. Property Damage Liability: This coverage pays for property damage to a third party when you are at fault for a traffic accident.Collision Coverage: Collision coverage pays to repair or replace your vehicle if you collide with another vehicle or a static object such as a tree or fence. Comprehensive Coverage: Comprehensive coverage pays for damage to your vehicle that results from events deemed out of the driver’s control, for example, weather, theft, vandalism, or striking an animal on the road.Uninsured and Underinsured Motorist: This insurance will cover your medical bills and property damage when the at-fault party either does not have insurance, or their insurance is insufficient.Personal Injury Protection: Personal injury protection covers the cost of injuries to you or a passenger of yours resulting from a traffic accident. Services include income continuation, funeral expenses, child care, and loss of services.GAP insurance: GAP insurance covers the difference between your car’s actual cash value and your lease or loan when your car is totaled. Rental Reimbursement: Rental reimbursement will pay for the cost of using a rental car when your vehicle is being repaired. Rental Car Insurance: This insurance will cover you while you are driving a rental car.Non-owners Insurance: This coverage protects drivers who don’t own a vehicle but drive often enough to need coverage themselves. Pet Coverage: Pet Coverage pays for your pet’s medical costs when injured during a traffic accident. Accident Forgiveness: With accident forgiveness, your first accident won’t cause your insurance premiums to rise. OEM Exterior Repair: This insurance pays for original equipment manufacturer parts to be used in external vehicle repairs. AAA Auto Insurance RatesThe cost of auto insurance through AAA varies largely by your location. This is because AAA is a federation of auto clubs that are different from state to state. However, AAA has relatively affordable rates overall. Here are the average annual rates of several major insurance providers compared to AAA per WalletHub:
State Farm: $1337Progressive: $985 Geico: $1060 AAA: $961 AAA offers cheap rates for all age groups, with 55-year-olds seeing the lowest monthly premiums and 18-year-olds paying the most each month. Here are the monthly rates by age group for AAA:
18 years old: $14321 years old: $75 45 years old: $4855 years old: $4565 years old: $51AAA DiscountsMotor1 found that motorists save an average of $749 by moving to AAA. Discounts will vary by state and county, but here are some common ones:
Member: Members receive a discount based on the number of years they have been with AAA. Safety Inspection: AAA will give you a discount on your monthly premium if you allow them to inspect your vehicle. AAADrive or AAA OnBoard: These are mobile apps that track your driving habits, giving you discounts for safer driving.Safe Driver: Save up to 20 percent on your AAA policy when you complete an approved defensive driver course.Multiple Car: You can receive a discount as high as 27 percent if you insure more than one regularly driven vehicle.Multiple Policy: Save on insurance costs by bundling your auto and homeowners, condo, renters, or life insurance. Pay-in-full Discount: Pay for an entire year upfront and AAA will lower the price of your policy.Paperless: Sign up for paperless billing and receive a discount instead of a paper bill.Loyalty: After one complete year with AAA, you get a five percent discount. Safety Features: You qualify for this discount if you have motorized seatbelts, airbags, or anti-theft features.Homeowners: Motorists who own their home save up to 37 percent on their auto insurance policy.New Car: Policyholders with cars less than 3 years old save 30 percent with AAA. Professionals: You could earn a seven percent discount if you are a scientist, doctor, engineer, CPA, or educator.AAA has been pleasing customers for over 100 years. Go online today and get your free auto insurance quote with the original American Automobile Association.
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