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Is AAA Car Insurance Good|A Helpful Illustrated Guide

Is AAA Car Insurance Good|A Helpful Illustrated Guide

AAA is a great company I've worked with them there's a couple things I love about them and a couple things that don't like about them and we're going to go over those right now

1. Types Of AAA

So there's two types of AAA there's the independent and then the exclusive agents where your exclusive agents can only sell AAA

That's it one company your independent agents are usually tied to multiple companies that can sell 10,11,12 ,13 different companies or more it had 

If they're not competitive with AAA yu're going to get a check with citizens are going to get checked progressive or other places that are competitive they're truly good to go that route that's the route that I personally like

2. Drawbacks

The drawback to that is when you have one person that works with 10 to 12 plus companies they tend to get a little bit fuzzy on the exact details of what that specific company offers 

Well because Triple A is such a large company is because when we sell AAA the complete that I've worked for is they actually do really well as far as knowing them because they're usually competitive and they're one of the big players

Hours atleast in the state that I'm in they're a good route to go now If you want to be very specific and very nice where you talk to one person that should hopefully know every little in and out of AAA

That's where your independent agent is going to have the most knowledge in most cases if you guys are interested getting multiple quotes from one person or one company

I actually didn't fall on my own understanding because I wanted to get a better understanding of what other companies other customers are saying about AAA

I've had some really good use and luck with them lately although I'll be honest with you in my state they're frustrating me a little bit because of some of their Tech and stuff which you guys don't see and so I'm not going to dive into that too much

It's more of the paperwork type stuff as an agent it's a little bit frustrating with some of the stuff that we've had to go through the e-signatures,Tech not working a hundred percent due to upgrades and they're trying to become new in the market as far as technology goes

That was the biggest complaint which will dive into at the end of this so on average they had a four star rating 

I'm going to dive into that at the end and explain to get some better understanding on that average they're actually doing really well

They're a company that's been really great they have really good competitive prices and one of the gaps that I know

3. Price Difference In Ages 

The largest price when you're 21 verses 45 your age the price is very very large of a difference

A 21 year old is going to pay about $75 a month on averageit can be more or less depending on the car and coverage you get 

A 45 year old is only going to pay about $48 a month so that kind of shows you where that needle is as far as where they're trying to find the customer

So it seems like they're a better fit for someone who's usually getting past their 30s or they're 25 and up

They're hitting that 45 range and that's where they're really competitive

4. Home Section

In the home part of them they are more auto section but they're really good with older homes 

They have less restrictions on things like galvanized pipings and the dog breeds and more 

5. Loyalty Discount

They've got gas insurance they've got accident forgiveness they have a small coverage So if you have a pet in your car and they're injured in a covered accident, they've got a loyalty discount which is actually pretty cool because most companies they usually don't start giving you really good discounts until you've had three or more years 

Company with AAA usually goes back about a year so if you've been with a company for a year and you want a great discount

They're usually going to give you a better deal because you've had that longevity discount as they say and they do lots of other 

6. AAA Membership Plans And Their Extra Benefits

They have Rideshare they do some custom equipment things like that and then they have different packages so the drawback as well as a good piece is AAA won't sell you an auto policy unless you're part of the auto club group that ACG

You have to buy a AAA membership that road service and that towing membership in order to be part of their service for Auto for those of you that don't care about the road service in the towing 

All of that you're just going to buy the cheapest membership that you can buy which is usually 40 to 44 dollars It says on their website 54

But if you buy it then you're going to get a discount because they usually get it a little bit cheaper on average customers are spending seventy dollars or more 

That membership mainly because the basic membership only gives you the Five Mile Towing where the $70 plus membership which I believe it's called the gold and then the Platinum would there's three levels 

But that middle one is the one most people use and that one gives you a hundred miles of Towing and that's really the biggest Focus apart from a whole bunch of other benefits no matter which way you go you're going to save money because that AAA membership alone is worth it

It's also got cool little apps you can flip on on your phone and It'll tell you when you're a place that gives you a discount

So if you're curious you don't have to bug out an employee or a place that you're at you just flip the thing on on your phone It'll tell you if that store or that location whether it's renting a car at a hotel whatever the case you're going to get a discount by being a AAA Member


Well that leads us to the final part which is talking about the ratings and I want to explain the negative rating why a company like value penguin gave them a four and a half star, which is 90% Eating or better and another company like wallethub gave them three to through the below a three-star rating which was not so great

I gone through some of those reviews and the differences between those is the wallet Hub is just ratings customers go on there and never rate whatever they thought Well 

Most of the reviews were on the membership and the problem that they had was the towing guy didn't come in time or I ran out of Rental Car Coverage after 30 days

That's part of your policy like that you can't change that like you can you can buy a higher amount but most car rental coverages in every policy by ends in 30 days

That's just a part that a lot of people may not know but that's something that's on you a little bit and that's where we come in here to help you understand that it holds well as the towing

when i worked for the AAA call center and I was taking Towing claims and trying to get dispatching and all of that stuff to work and there are cities in some areas where tow drivers just don't go there

They just refuse it's too dangerous they don't want to go there if they see breakdown and they'll have a guy come three hours out the Pam hundreds more just to service that customer 

Now it takes forever don't get me wrong it's frustrating for them because they don't see all that in the background

But that part is really good on the customers end and that's just kind of like Amazon does that where they will do that pre-shipping that two day shipping or they'll give those extra benefits, even if it costs them money 

That as well on the back end because in the end of the whole thing, they're going to make profit overall because if they take really good care of you the customer they're going to win and that's really the main reason you're seeing those complaint

There are some valid ones on their not turn to discredit that cup that website at all. So if you are you can Google this and you can find a believe it's value wallet value Hub

If you look at the other companies in that Google search you're going to see that most people are ready in that four star and above the only part I can side on that negative review is that Towing part because it is partially triple AAA fault

When they have a bad Towing claim not the AAA didn't handle it. They've got a great way of doing things they're quicK Everything's instant it Flags

It starts flashing red when something's delayed and the customer should always be in the know well now there's an app that they can use and it tells them the location of the places well 

The problem that I ran into when I work there was the towing companies didn't like the rate that they were getting and that's Triple A's problem not your problem by the AAA for that quality service and if AAA can't build that quality service at the level that we want then why wouldn't I just 

All the towing company granted I'm paying a premium some give and take right that towing companies going to charge me $150 or my AAA membership gives me 5 uses and that's only $70

So you've got to wait and measure that piece and decide whether that's a portion that will make an effect on your auto insurance whether you want that to be a piece of what it is personally

So you guys let me know in the comments below. I'm curious. What is your experience? Have you been with AAA before? What age group are you in and what? 


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