AAA typically provides insurance through affiliate companies with various rates, coverage options and customer experiences.
According to The Zebra, AAA auto insurance customers report below-average satisfaction with their policies. Furthermore, AAA uses OnBoard telematics technology which tracks driving habits through a mobile app to offer discounts for safer drivers and reduce premiums accordingly.
Car Insurance
Are You an Avid Driver? AAA Could Provide Coverage Solutions! For drivers that prioritize safe driving behaviors, AAA offers comprehensive and liability auto insurance policies as well as additional features like Telematics Programs to monitor driving habits and enable discounts based on these behaviors.
Your state may require you to carry at least some minimum liability coverage. Other common coverages include collision, which pays for repairs after an accident; comprehensive, which covers weather-related and theft-related damage; PIP can cover medical costs and lost wages even when you’re not the cause of an incident; it is essential that you understand all types of coverage prior to purchasing one policy.
As with other auto insurers, AAA has earned average to above-average ratings from firms such as J.D. Power and the National Association of Insurance Commissioners. However, it should be remembered that AAA is actually composed of separate regional providers; therefore customer experiences and ratings may differ depending on where customers reside.
The Zebra found that AAA lagged behind its competitors in terms of customer satisfaction. This could be explained by their local affiliates being independently managed; therefore policies and service may vary from location to location.
AAA is accredited by the Better Business Bureau and holds an A+ rating with this organization. Their TrustPilot scores may be lower, however this could simply be because there are only few reviews for roadside assistance on TrustPilot.
AAA is committed to keeping its rates competitive and fair for its members, so the company offers various discounts such as multi-car discounts, good student discounts, loyalty rewards and more. Some discounts could potentially save hundreds over time depending on your situation! Plus you could even save more by buying early or bundling your insurance policy with other products.
Homeowners Insurance
AAA offers homeowners insurance through a network of affiliated insurance companies. In most places, AAA acts as a broker when providing homeowners insurance; collecting information before referring you to another insurer for actual policy purchases. This practice is standard practice in home insurance policies sold under its brand; typically these insurers tend to rank higher for customer service and affordability than competitors.
These policies cover the costs associated with repairing or rebuilding your home if it’s damaged by an insured event, along with personal property coverage to reimburse you for stolen or destroyed furniture, clothing or sporting equipment as well as liability protection should an accident take place at your home and damages are caused to others by you or someone in your family. Furthermore, additional options exist such as loss of use (which covers hotel stays or restaurant meals if your home becomes inhabitable) and water damage insurance policies to help cover these events and provide financial security against their effects should something go wrong
As an existing member of AAA travel club or vehicle insured with them, you could qualify for discounts on home insurance policies. Possible savings could include installing alarm/smoke detector systems as well as purchasing new homes – you might also get lower premiums if your home is older or renovated.
AAA homeowners insurance stands out in price and customer satisfaction terms; its claims process could use some improvement. AAA earned top scores on two out of the three major customer satisfaction surveys while receiving below-average scores in financial strength and being able to meet obligations to policyholders as well as number of complaints from state regulators.
Even with its drawbacks, AAA should still be your first choice if you value quality customer service and affordability in an insurance provider. In addition, this company offers car and life policies which you can bundle together with your homeowners policy policy for added savings.
Renters Insurance
AAA is best-known for their roadside assistance services, but they also offer auto and homeowners insurance as well as renters insurance policies to protect personal belongings in case of fire, natural disaster or theft as well as covering relocation costs for extended stays in another home. AAA even provides additional coverage for more expensive items like jewelry, furs and art collections.
As soon as you provide some basic details on the AAA website, they provide an instantaneous renters insurance quote tailored specifically for you. Once online, you can access and file claims/make payments using either their mobile app or website – not forgetting AAA offers senior and loyalty discounts as well as offering above average industry discounts such as up to 15% savings when combined with auto policies!
AAA Renters Insurance goes beyond providing basic coverage of rental property, medical and additional living expenses – they offer extras such as 24-hour emergency helpline support for members as well as loss-of-use protection if your home becomes inhabitable. Flood, earthquake and insect coverage is also offered depending on which state they’re available in.
MoneyGeek used data from consumer intelligence organizations such as J.D. Power and AM Best to evaluate each insurer’s stability. Their ratings also take into account ease of filing claims, transparency on websites, number of complaints submitted to state regulators and reported to National Association of Insurance Commissioners – making their assessments comprehensive in nature.
MoneyGeek suggests gathering quotes from multiple companies when searching for renters insurance, then comparing premiums, deductibles and policy limits across each one. When in doubt about which policy fits best with your budget and needs, speak with your agent locally for guidance. We also highly suggest reading our in-depth reviews of top companies offering renters coverage; our experienced reviewers have evaluated each policy’s benefits, costs and limitations in detail so they can help identify suitable options tailored towards meeting individual requirements.