AAA is easily one of the most popular auto insurance companies in North America. Most homeowners have some type of coverage with them, and they are frequently mentioned in the media, television shows, and movies.
With that being said, you can guarantee that with their popularity, they also have some of the most adaptable insurance policies for everyday drivers. By reading AAA Insurance reviews like this one, you’ll be able to learn about the pros and cons of the company as well as the coverage they offer to keep you and your family safe while on the road.
The Pros of AAA Insurance
There are three main advantages to purchasing a plan from AAA Insurance as compared to other companies. First is the fact that they have a fantastic rating for customer satisfaction. Second, they’re likely to have phenomenal stability in the long run. Lastly, there are plenty of optional items that you can add to your insurance packages.
High Customer Satisfaction
Customers noted that any time they were in need of assistance from AAA, there was an associate waiting to help. Not only that, but their needs were also addressed in a timely manner. The outcome of claims and other important questions were nothing short of going above and beyond too.
Long-term Stability
When you’re signing up for an insurance plan, you want to make sure that the company you choose isn’t going to go under in the near future, as all of the money you’ve put into your premiums would disappear. Due to their popularity and strong foundation, AAA isn’t going to be going anywhere but up anytime soon.
Optional Benefits
Apart from the traditional insurance packages that they offer, you’ll also have access to plenty of optional benefits that you can add to your policies for the best coverage possible.
Overall Customer Satisfaction
The most notable advantage to having a policy from AAA Insurance is the fact that customers are always satisfied with what the company offers and how they conduct business. According to a study in 2017 conducted by JD Power US, AAA has an excellent customer service rating, with up to 90% positive reviews from policyholders.
The most popular feature that the company has to offer is their roadside assistance, which is available to AAA members only but is quite useful if you find your car broken down in inclement weather or in bad neighborhoods.
Some of the other benefits that customers love from this insurance provider include:
- Complimentary calls to family members to keep them updated on a situation
- Claim preparation and processing assistance
- Arrangement of appropriate car rentals
- Full-time, 24/7 assistance
- A diverse selection of membership options
- A number of available discounts
The Disadvantages of AAA Insurance
Although there are plenty of fantastic things that this particular insurance provider can offer to the majority of drivers, there are also two main disadvantages to take into consideration, and they are:
Membership Is Costly for Safe Drivers
If you decide to sign up for an AAA membership and are a safe driver who barely makes claims, you may still feel like you’ll be paying relatively high fees for features you don’t often use.
New Drivers Spend a Lot on Roadside Assistance
Roadside assistance is always a great type of coverage to have. However, many new drivers feel as if they’re paying too much for assistance when their cars are in brand new condition.
Who Will Benefit from AAA Insurance?
There is always a group of people who will benefit the most from certain insurance companies, but we found that AAA is likely one of the top-tier companies that is beneficial for relatively every type of driver. People who will benefit the most from their coverage options include:
- Individuals who own older or unreliable vehicles
- People who live in areas with bad weather
- Drivers who want easy claims processes
- Individuals looking for low premiums if they have good driving records
- People with spotty driving records looking for affordable insurance
- Company owners looking to get insurance for several vehicles
When it comes time to sign up for potential coverage, the application process is rather unique. It takes every factor of your driving history into account in order to determine the cost of your premiums and the type of coverage applicable to your situation.
Each application is assessed on its own merit by the company, and you will have to complete a questionnaire to be considered. You will be responsible for completing the questionnaire honestly because you will not only be prosecuted for insurance fraud if you aren’t, but your answers are what will build your contract with AAA.
What to Take Note Of
Before you decide on any insurance company, the most important takeaway from AAA Insurance reviews is a list of things to take note of. First, you must remember that the only way that you can purchase insurance packages through this provider is if you become a part of the AAA Club. Plus, you will need to make sure that you keep up with your payments. Otherwise, your coverage will stop immediately.
Even though you might see some information about standard fees, they will vary depending on where you live and your driving record, which will lead to higher costs for people with spotty driving histories. You may also find that AAA will require a physical inspection of your vehicle before providing you with coverage.
A few other important things to pay close attention to include:
- Mileage
If you find that you have a much lower mileage on your vehicle than initially reported, make sure that you let the company know. AAA may offer a reduced premium if you typically drive short distances.
- Bad Credit Score
If you have a poor credit score, this could classify you as a high-risk policyholder, and as such, your premiums may increase.
- Reassessments of Charges
At the end of the year, it’s important that you opt into the reassessment of charges program to make sure that you have the right coverage at the best price. Having your policy assessed will keep you up to date with any discounts that you might be eligible for to help you save even more on your coverage.
Final Thoughts
When compared to other insurance companies, we found that AAA is much more reputable in terms of dealing with customers and customer issues. This, we realized by reading plenty of AAA Insurance reviews.
With lots of different types of coverage apart from auto insurance, you can bundle a variety of policies together and take advantage of plenty of discounts to help you save on your coverage. No matter if you’re a driver with a bad or an impeccable record, there are benefits for you to use to your advantage.
