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AAA insurance: Our thoughts
Auto insurance bottom line: Drivers may be able to save money with AAA auto insurance, and it offers lots of coverage options and discounts. People who already have or are interested in an auto club membership may be able to find a good rate, but you may find a better deal elsewhere if you’re in a different auto club.
Homeowners insurance bottom line: AAA homeowners insurance is not as widely available as the company’s car insurance. Rates tend to be affordable, especially with bundling discounts. However, homeowners who need extra coverage like replacement cost or identity theft protection should look elsewhere.
There are dozens of AAA auto clubs throughout the United States, and many of them offer several types of insurance, including car, home and life insurance. AAA auto clubs are independently run organizations with varying degrees of connection with one another, and so are their insurance arms.
This means that the discounts, benefits and coverage options can vary significantly by location, and the only way to be sure of what’s available in your area is to contact your local office.
How does AAA compare to other auto insurance companies?
In some places, “Triple A” simply acts as a broker, where the company collects your information and refers you to another insurer, like Progressive or State Farm, to actually sell you insurance. When AAA acts as a broker, you still receive discounts for being a AAA member. This process is especially common for homeowners insurance.
However, AAA sells auto insurance directly in most places, and their policies are often better than average in terms of cost and benefits, with well-regarded customer service and a smooth claims process that can help you get back on your feet quickly after a loss.
AAA homeowners insurance offers affordable rates but a relatively small variety of coverage options. Home insurance from AAA is not available in as many locations as their auto insurance policies, and in some places it is only available if you bundle it with auto coverage. Bundling policies can lead to significant savings on both, so it’s worth getting a home insurance quote if you’re already considering AAA for your car insurance.
AAA insurance policies almost always require you to be a AAA auto club member to purchase coverage. In exchange, AAA insurance typically offers a discount on your policy that covers or exceeds the cost of its club membership. In this sense, you can think of AAA membership benefits as being part of your AAA insurance policy, as many of the benefits a AAA auto club membership provides are sometimes provided by an automobile insurance policy.
For example, AAA members receive roadside assistance, which other insurance companies offer for an additional fee.