What Does AAA Insurance Stand For? AAA stands for “American Automobile Association.” AAA is a private, non-profit automobile club that serves North America; however, anybody can join AAA for a modest charge.
The company began in 1902, producing maps, hotel guides, and curriculums for high school driving instruction. They currently have over 1000 venues, which include restaurants, hotels, and lodges.
What Does AAA Insurance Stand For?
AAA stands for “American Automobile Association.” AAA is a private, non-profit automobile club that serves North America; however, anybody can join AAA for a modest charge.
The company began in 1902, producing maps, hotel guides, and curriculums for high school driving instruction.
They currently have over 1000 venues, which include restaurants, hotels, and lodges.
AAA Locations
AAA utilizes various auto groups across the country to provide automobile insurance to its consumers. Auto Club of SoCal serves Alabama, Arkansas, California, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Missouri, Mississippi, New Hampshire, New Mexico, Ohio, Pennsylvania, Texas, Virginia, Vermont, and West Virginia.
The Automobile Club Group includes Florida, Georgia, Iowa, Illinois, Indiana, Michigan, Minnesota, North Carolina, North Dakota, Nebraska, South Carolina, Tennessee, and Wisconsin.
CSAA Insurance Group includes Arizona, California, Colorado, Connecticut, Delaware, the 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 vehicle clubs may not service every county in your state, even if it is listed above. According to NerdWallet, if you are a member and there is no AAA insurance provider in your area, a local club may have a partner who can supply coverage.
AAA Auto Insurance Coverage Options
Because AAA employs multiple insurance organizations to provide coverage, your selections may vary depending on your region. That being stated, AAA insurers can offer all basic coverage alternatives. Some more specific coverage is only available in certain places. These are often optional coverages that are purchased in addition to a regular policy. Your best bet is to speak with a local AAA representative to ensure they offer the coverage you need.
AAA’s most prevalent coverage kinds, according to ValuePenguin
- Body Injury Liability: Most jurisdictions require this coverage, which covers the cost of injuring a third party if you are at fault in a traffic collision.
- Property Damage Liability: This policy pays for property damage to a third party if you are at fault in a car accident.
- Collision coverage pays to repair or replace your car if it collides with another vehicle or a stationary object, such as a tree or fence.
- Comprehensive coverage compensates for damage to your car caused by situations beyond the driver’s control, such as weather, theft, vandalism, or hitting an animal on the road.
- Uninsured and Underinsured Motorist: This insurance will pay for your medical bills and property damage if the at-fault driver does not have insurance or has insufficient coverage.
- Personal Injury Protection: Personal injury protection covers the cost of injuries to you or a passenger caused by a traffic accident. Income continuance, burial expenditures, child care, and service loss are among the services provided.
- GAP insurance pays the difference between your car’s actual cash worth and your lease or loan when it is totaled.
- Rental Reimbursement: Rental reimbursement covers the expense of renting a car while your vehicle is being repaired.
- Rental Car Insurance: This insurance protects you while driving a rental car.
- Non-owner Insurance: This coverage protects drivers who do not own a car but drive frequently enough to require insurance.
- Pet Coverage: Pet Coverage compensates for your pet’s medical expenses if they are harmed in a traffic accident.
- Accident Forgiveness: With accident forgiveness, your first accident will not increase your insurance costs.
- OEM Exterior Repair: This insurance covers original equipment manufacturer parts that are utilized in external vehicle repairs.
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AAA Automobile Insurance Rates
The cost of auto insurance with AAA varies greatly depending on your region. This is because AAA is a federation of auto clubs that vary by state. In general, AAA’s rates are relatively low. Here are the average annual rates of many big insurance companies compared to AAA, according to WalletHub:
- State Farm: $1337
- Progressive: $985
- Geico: $1060
- AAA: $961
AAA has affordable rates for all age groups, with 55-year-olds paying the lowest monthly premiums and 18-year-olds paying the highest monthly premiums. Here are the monthly charges by age group for AAA.
- 18 years old: $143
- 21 years old: $75
- 45 years old: $48
- 55 years old: $45
- 65 years old: $51
AAA Discounts
Motor1 discovered that switching to AAA saved motorists an average of $749. Discounts vary by state and area, but here are a few frequent ones:
Member: Members receive a discount based on how long they have been with AAA.
Safety Inspection: Allow AAA to evaluate your car and you will receive a discount on your monthly premium.
AAADrive or AAA OnBoard are mobile apps that track your driving habits and reward you for driving more safely.
Safe Driver: Complete an approved defensive driving course and save up to 20% on your AAA policy.
Multiple Car: Insuring more than one regularly driven car can result in a reduction of up to 27 percent.
Bundling your auto, homeowners, condo, renters, or life insurance can help you save money.
Pay-in-full Discount: If you pay for the complete year up ahead, AAA will reduce the cost of your coverage.
Sign up for paperless billing and get a discount instead of a paper bill.
Loyalty: After one full year with AAA, you receive a 5% discount.
You are eligible for this discount if you have motorized seatbelts, airbags, or anti-theft features.
Homeowners can save up to 37% on auto insurance.
New Car: AAA policyholders who own cars less than three years old save 30%.
Professionals can receive a 7% discount if they are scientists, doctors, engineers, CPAs, or educators.
AAA has been satisfying clients for almost 100 years. Go online today to get a free auto insurance quotation from the original American Automobile Association.