AAA Insurance and Roadside Assistance Review
By: Heather Hanks May. 04, 2020
American Automobile Association (AAA) offers auto insurance to meet all of your needs. Their roadside assistance feature can help you if you need towing services, need emergency repairs, and more. This feature is available 24/7 and is free with your membership. Memberships start at $53 and include a wide range of benefits, such as fuel delivery, flat tire assistance, and towing.
Plus, you’ll get bonus discounts on trips and rental cars. You will need to check the website to see what options are available in your state. However, this insurance company is widely accepted all over the US and Canada. They currently have over 60 million customers. Check out our AAA Insurance and roadside assistance review below.
What is American Automobile Association (AAA) Insurance?
American Automobile Association (AAA) is a company that offers memberships and automobile insurance. They were founded over 100 years ago to support safer vehicles and better automotive laws for drivers and passengers. The company strives to promote the love of driving on the open road. AAA currently has over 60 million members. They offer various membership services, including roadside assistance. They also offer financial products and travel-related services, including discounts on your trip when you book through AAA.
AAA is a national organization that is made up of 25 individual clubs all over the United States and Canada. They can help you if you need car insurance, roadside assistance, or help planning a trip. According to the website, approximately 25% of households in the United States have an AAA membership. Also, more than 28% of passenger vehicles in North America have AAA memberships. Here are some facts about the services that AAA provides:
What Do They Offer?
AAA offers many different services, but they are best known for providing roadside assistance. You can contact AAA anytime and they will be there when you need them. The roadside assistance feature sends someone to you when you need a flat tire changed or if you lock yourself out of your car. You can use this service whether you are the driver or passenger. They will also take care of all of your needs if you are in an accident. You can take your membership one step further by enrolling in AAA auto insurance.
Here is a full list of services included in the roadside assistance feature:
Battery services
Emergency repair check
Extrication and winching
Fuel delivery
Mechanical first aid for minor repairs
Free one-day car rental service
Services for when you lock yourself out of your car
Towing and Tire services
Most people use AAA for their auto insurance policies because they get a discount (as long as you are a member). They are also extremely knowledgeable in all areas that are related to automotive. You can use your AAA service to find auto repair shops nearby or find drivers classes. They are also well-known for providing excellent rates and customer service. According to the website, you can save an average of $405 with AAA rates and discounts. You will need to contact an AAA customer service representative for a quote. This information is not listed on the website. You can also find a representative nearby if you have additional questions.
Here is what you can expect from your AAA auto insurance coverage:
Liability coverage
This feature covers you from bodily injury and property damage to others if you are liable.
Collision coverage
This option pays for physical damage at your car if you’re in an accident or it has been vandalized.
Pet protection
This feature covers your dog or cat if they are injured or killed in an auto accident.
Choose your deductible
AAA allows you to choose your deductible from a variety of levels.
Extended exterior repair option (OEM) coverage
This feature pays for exterior parts of an insured car, excluding window glass and mechanical parts. They use new Original Equipment Manufacturer replacement parts. It applies to vehicles less than 10 years old.
Comprehensive coverage
This covers you for non-collision losses, cush as glass breakage, vandalism, fire, and theft. AAA will also waive the deductible on qualified windshield cracks and chips.
Other
Check with AAA to see how they can meet your personal needs. You can inquire about personal injury protection, medical payments, car rental coverage, and more.
AAA Insurance provides exceptional service, including accident assistance. This feature allows you to call them if you are in an accident and your car is not operable. AAA will immediately file your claim, dispatch roadside assistance to tow your car, and schedule repairs at a covered location. You won’t have to wait for a claim adjuster to approve the repairs. AAA guarantees that your car will be covered for life. They will also reserve a rental car for you.
Auto insurance through AAA comes with several possible discounts. Here are some you may qualify for:
You can also get home, renters, and personal insurance through AAA. Home insurance covers your garage, utility buildings, identity theft, and more. You’ll also be covered for bodily injury liability, medical payments, and personal liability if anyone gets hurt on your property. AAA’s homeowner’s insurance policy covers you from weather-related disasters, frozen plumbing, and vandalism.
Here are some other services that AAA provides:
● AAA Dollars® Plus Mastercard®
● Auto loans
● CD and savings programs
Membership Levels
You’ll need to become a member to qualify for the services at AAA. There are three different membership plans you can pick from: classic, plus, and premier. The following is a breakdown of each membership level:
Classic Membership
The AAA classic membership is available for $54 per year. It allows you to add one associate for free. The classic membership offers ID theft protection, approved auto repairs, and discounts for attraction tickets. You’ll also have access to travel services and insurance. Here are some of the perks of a classic AAA membership:
The classic AAA membership also helps you save money on everyday services and purchases. You’ll get 10% off labor for up to $50 off at AAA-approved auto repair facilities. Plus, you’ll get roadside assistance for your bike and discounts at restaurants, shops, hotels, and more. The following services are offered for free with your classic membership:
● Additional driver with Hertz car rentals
● Severe weather alerts
● Household coverage review
● Download eTourBook® guides for AAA-approved hotels and lodging where discounts can be applied
● Emergency cash checking
Plus Membership
The AAA plus membership offers added protection and savings on the road and in your car. Your membership comes with up to four membership service calls per year. You’ll also get:
Premier Membership
A premier membership with AAA offers the highest level of benefits. Like the plus membership, you’ll get up to four service calls per year. Here are some other features you’ll get:
AAA Insurance and Roadside Assistance: Pros and Cons
Roadside assistance is one of the biggest perks of having an AAA membership. Call them if you are having car trouble and they will come to you. They can help fix a flat tire, jump start your car, or unlock the door if you lock your keys inside. AAA also offers discounts for a variety of services, including vacations, dining out, and rental cars.
AAA also provides services for all of your automotive needs. They can help you with purchases, classes and training, and maintenance and repair. They also keep you alerted while traveling on the road. Services include auto loans, CARFAX information, and traffic and construction alerts. Here is a complete list of automotive-related services that AAA provides: Auto buying (see what others paid, get member discounts, and secure a new car), Auto loans (rates are as low as 2.89% APR for members only), Green car guide, CARFAX information, AAA driver training, Wet weather driving, Driving safety guide, AAA mobile battery service, AAA approved auto repair, Direct repair shop, Filing an auto glass claim, Traffic and construction alerts, Roadside assistance, Maps and fuel prices.
Here are some pros and cons to consider before signing up for a membership:
AAA Insurance PROS
AAA Insurance CONS
How To Apply
Auto insurance and roadside assistance are only available to members. Before you apply, determine what membership you want. You can pick from a classic, plus, or premier membership. To become a member, visit the website and enter your information, including your:
After you enter this information, you will be asked to enter your payment information. Once your account is activated, AAA will send you details regarding your account. Roadside assistance will begin three days after your first payment.
The above review of AAA insurance and roadside assistance is based solely on the opinion of Creditnervana. AAA is staffed with vehicle experts and can handle all of your vehicle needs. They offer auto insurance and roadside assistance that is there when you need them. You must be a member to receive these benefits. There are three tiers of membership levels that you can choose from. The lowest tier starts at $54 per year and covers your entire household.
You will need to check the website and enter your zip code to determine your auto insurance rates. AAA does not provide service to all states. AAA offers everything you need that is car related. They will meet you at the site of an accident and tow your car for free. They will also file your claim for you after an accident and connect you to an approved auto repair shop. AAA also offers discounts on vacations, rental cars, dining and more.
Disclaimer
CreditNervana promises to keep our information as accurate and up-to-date as possible. However, you should always consult a financial advisor for specific questions about personal or business finances and investment opportunities, especially if you are looking in your area. Working with a trained professional who is familiar with your case is a safe and guaranteed way to make the best investment decision possible. Please review our terms and conditions before making any decision based on the information we provide. Financial institutions are constantly changing. Because of this, it’s a good idea to cross check the information you read here with any company you are considering working with.
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