What types of car insurance coverage does AAA offer?
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What types of car insurance coverage does AAA offer?

March 8, 2023
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What types of car insurance coverage does AAA offer?

AAA, or the American Automobile Association, is an American insurance company that helps members find cheap car insurance. They specialize in offering insurance policies to people who either don't need full coverage or can't afford it. This article is going to tell you about the types of car insurance coverage that they offer so you can decide if it's right for you.

Comprehensive Coverage Or Collision Coverage?

Depending on how fast you drive and how dangerous your driving is, you might qualify for either comprehensive coverage or collision coverage. This article will tell you what the differences are and which type of coverage you should choose.

Comprehensive Coverage

Comprehensive coverage is pretty self-explanatory. It generally covers things such as the cost of repairs to your vehicle due to unavoidable accidents or damage caused by animals, wind, water, or fire. Many companies only offer comprehensive coverage for their standard policies, but it's something that you can negotiate for if you have a higher-end policy with lots of extra perks. For example, the AA offers an optional Extra Vehicle liability policy that includes up to a million dollars in additional coverage for your motorhome or camper. If you decide to add this level of coverage, it could potentially save you thousands in annual premiums. Many insurance companies automatically include this level of coverage in the standard policy due to the popularity of cars and the like on the road today. In 2018 alone, there were over 34 million automobile accidents in the U.S. alone. That's a lot of damage and a lot of people needing repairs. Without comprehensive coverage, you could be putting a large hole in your wallet. For that reason, this type of coverage is usually considered mandatory by insurance companies in case you have it, but it's something that you can skip if you don't need it.

Collision Coverage

On the other hand, collision coverage is what you might think of when you think about liability insurance. It covers the cost of repairs to your vehicle if you hit someone or something. This type of coverage is usually only required if you're involved in a car accident in which the other party is at fault. For instance, if you rear-ended someone and they're suing you, your insurance company might have to pay for the damages out of your own pocket. In most cases, you won't actually need to make a payment until the other party sues you, and that can take several months or even years. During that time, you'll be paying yearly premiums to the insurance company, but they will not make any payout. For that reason, this type of coverage is usually considered optional by insurance companies. You'll need to decide if this type of coverage is right for you based on your own circumstances. If you decide that it is, then it's something that you should look into adding to your policy.

Which One Is Better?

Both types of coverage can be good, but you have to decide whether you want to include extra premium charges or be prepared to pay for repairs out of your own pocket. One of the major advantages of comprehensive coverage is that it covers the cost of repairs to your vehicle for both water damage and fire, but it also has a lot of additional charges. Collision coverage is usually less expensive with only a few restrictions, but it doesn't always protect you from all types of mishaps. One thing to keep in mind is that comprehensive coverage is usually preferred by most insurance companies and can make a difference in how much you'll have to pay out of pocket in case of an accident. Collision coverage can also be a good choice for people who drive rental cars or those who drive a lot during the week. For more information on how much auto insurance coverage you need, use this insurance comparison tool from SaveonCar.

How Do I Know If I Need It?

As mentioned above, there are certain circumstances under which you might need either type of coverage, but how do you know if you need it? You might not need it if you're just driving around town or if the traffic is fairly light. However, if you're driving in heavy traffic or if the weather is bad, then you might want to think about getting collision coverage. This article is not meant to replace your personal financial advisor, but more of an informational guide to help you decide what type of insurance coverage is right for you. To find out how much coverage you need for the city that you live in, use this tool from SaveonCar.

If you're in a state that requires you to have liability insurance, then you might also need to consider getting additional coverage for that as well. Some companies offer a single policy that will fully cover your motor home or camper, which is usually the best option since that's what most people are trying to save money on. If you're in a state that requires you to have both liability and medical coverage, then you might want to consider getting a Med-Pay plan as well. These are usually cheaper than full insurance policies and can be useful for those who don't yet need liability insurance.

How much is aaa car insurance?

If you're in the market for a new car, you'll soon learn that prices vary widely. Some companies are known for offering great deals, while others are strict with their policies. You can find out what kind of coverage you need and what kind of price you can expect by looking into what's called "aaa car insurance." This article will tell you everything you need to know about how much car insurance is in the state of Arizona.

Significant Discounts For Active Military

The good news for active military personnel and their families is that aaa car insurance policies are usually quite affordable. One of the best companies for discounts is Guardaley. They offer an all-inclusive military package that can save you hundreds of dollars per year. This company is also extremely flexible with payment options, allowing you to spread the cost of the insurance over 24 months with no interest (through the use of an installment plan). The price of the policy will depend on your age, gender, and coverage needed. The typical cost is between $300 and $500 annually, but can vary widely.

There are other excellent companies that offer significant discounts for active military personnel, including Armor All, Direct Line, and Nationwide. Some of these companies even have special arrangements with credit cards that can give you additional discounts. You can get a quote from these companies with just a few minutes of work. Just visit their websites and enter the necessary information (i.e., name, address, phone number, id card or military ID number). Many of these companies will even give you a temporary password that can be used to access your account online. Just make sure you notify the company that you're an active military member or Veteran so they don't charge you extra for certain coverage options.

No Caps On Home Insurance

Another great thing about getting aaa car insurance is that there are no caps on how much home insurance you can purchase. This is in contrast to traditional home insurance policies, which have a limit of 10-20% of the home's value. With a traditional policy, if your home is valued at over a certain amount, you won't be able to purchase additional coverage. However, with an aaa car insurance policy, you're pretty much free to buy as much coverage as you like. Some companies, like Nationwide, offer a “boosted rate” for homes that are more than 10 years old. This is because homes that are at least 10 years old are considered “modern marvels” and can withstand extreme weather conditions and natural disasters without too much damage.

Minimum Liability Coverage Of Three Million Dollars

Another important thing to consider when purchasing any kind of insurance is the minimum liability coverage that the company offers. You don't want to get stuck with a three million dollar loss, especially since that's more than the average person's annual income. A three million dollar minimum liability policy is considered “adequate” by the insurance industry. This means that if you have $500,000 in total assets (i.e., your home, car, and any other property), you're going to be financially okay in the event of a serious accident. The reason this number is so high is that it takes into account the fact that a third party can file a lawsuit against you. This lawsuit could end up being very expensive, even if you're not found liable for the accident. Having a three million dollar minimum liability policy will give you the peace of mind necessary to afford a new car or other expensive purchases. It also means that in the event of an accident, you're covered financially.

Many Options For Payment

One of the biggest concerns that most people have about getting a car is paying for it. There are many different ways that you can pay for your new vehicle. You can pay in full at the time of purchase, make monthly payments, or take out an installment loan with lower interest rates. Most companies like Cavalry and Square Trade will let you make payments online, so it's easy to keep track of your billings. These companies also offer a money-back guarantee if you meet the conditions of the policy (i.e., you must notify them of the accident within 30 days of its occurrence). It's also important to look for insurance companies that offer flexible payment options, as well as those that don't require payment in full at the time of purchase. Having a car payment plan or installment loan enables you to spread out the cost of buying a new car over time, which can save you hundreds of dollars at the end of the month.

Protection For The Family Members

Getting aaa car insurance gives you much more than just peace of mind when driving. It also protects your family members in the event of an accident. Many companies offer good medical coverage for injured family members, as well as life insurance coverage for your children. It is usually better to get these types of policies through your employer, as they often provide coverage that is far better than the standard issue automobile insurance policy. One of the best companies for offering these types of policies is Guardaley. Not only will they give you a significant discount, but they offer an entire family coverage plan that can save you hundreds of dollars per year. This kind of coverage is often considered “optional” by the insurance companies, which means that while you probably won't have to pay for it on your own, it's still part of the package and you're not required to get it.

The Final Word

Hopefully, this article gave you a good overview of what aaa car insurance is and how much it can cost. If you're in the market for a new car, it's important to take a few things into consideration, such as how much insurance you need and how much you can afford to pay each month. By having this information, you can make a more informed decision about whether or not buying this type of coverage is right for you.

What is the process for getting a quote for AAA car insurance?

AAA, or Automobile Association of America, is the most popular car insurance company in the United States. It was originally founded in 1901 and is currently headquartered in Washington, D.C.

It may come as a surprise that something that's been around for over a century still has pricing structures that are largely based on how you and your car fit into a car insurance quoting machine. That's because in today's world, cars are a lot more than just machines for getting around. They can often be a source of pride, a reflection of your personal style, and a tool to connect you with other car owners. In short, they can be a lot of work...and fun! This is why it's important to take the time to find out what exactly goes into an automobile insurance quote, so that when it's time to make a purchase decision, you're totally aware of all of the nuances that could impact your financial situation. This article will go over the exact process that you need to follow in order to get a car insurance quote, so that when the time comes to make a purchase decision, you'll have everything you need upfront.

The Difference in Quoting Models

The type of insurance coverage you need depends on how you plan on using your vehicle. In some cases, you may want liability insurance to cover accidents you cause while using your car. In other cases, you may want full coverage for a standard model with the option to pay a bit more for specialized add-ons, such as a camper. Each company will have a different approach to car insurance quoting, so you'll need to know what type of coverage they offer before you begin your search.

Protecting Your Investment

The main purpose of automobile insurance is to protect your investment in your vehicle. This means that you'll need to have a decent amount of coverage in case you have an accident and someone else's insurance doesn't sufficiently cover the cost of damage to your car. Depending on your situation, you could end up paying a lot more than you would have to pay if your car was unharmed. For this reason, it is important to shop around for the best possible rates before making a purchase decision.

Pricing That Is In Line With Reality

The prices that insurers charge for car insurance are often pretty surprising, especially since they don't take into account all of the extra costs that come with motor vehicle insurance. For example, most people don't think about car washes when they are buying insurance, but these services can easily add up the cost of your car insurance. The same goes for having a fully stocked car fridge or freezer. While the price of a simple gallon of milk might be cheaper than you think, all of these frozen foods can add up the cost of your car insurance. This is why it's so important to shop around for the best possible rates before making a purchase decision.

Avoiding Hidden Fees

One of the other costs that often gets neglected when it comes to buying motor vehicle insurance is all of the hidden fees that you'll end up paying. These fees are all additional costs that the insurer charges for something. Some of the more common hidden fees that you might have to pay include:

  • Administrative fees
  • Processing fees
  • Investigation fees
  • Examination fees
  • Medical fees
  • Domicile requirement
  • DUI surcharge

If you've ever shopped online, you might have noticed that there are a lot of additional costs that you have to pay when you make a purchase. With most online stores, this is due to a high merchant fee that they have to pay in order to ensure that the transaction goes through successfully. When you purchase a product or service online, there are a lot of costs that you need to be aware of, including this merchant fee.

Pricing Based On Risk

In some cases, insurers will give you a quote that is based on the overall statistical risk of your car being in an accident. This is a similar concept to insuring a home or a business. If you have a house that you're constantly putting in jeopardy of being burglarized or vandalized, you might want to consider investing in a security system that could give you an extra layer of protection. The same goes for your automobile. If you're constantly exposed to the risk of injury or damage to your car, you might want to consider investing in a safety device such as an anti-lock braking system or an air bag.

Pricing Based On Your Miles Driven

Another way that insurers can vary your quote is by looking at how much you've driven in the past. This is called a mileage discount and it's a common way of lowering your rate. If you've been driving for a while and they think you'll be driving more in the future, they may want to offer you a discount for this. Just keep in mind that once you reach a minimum number of miles driven in a given year, your rate will automatically go up by a certain amount. This is why it's important to shop around for the best possible rates before making a purchase decision.

Obtaining A Copy Of Your Policy

Another important factor to consider when getting a quote for car insurance is to make sure that you have a copy of your existing policy. This can be a tricky thing to do, as most policies are considered to be confidential and can only be provided to you upon request. Fortunately, there are ways that you can get a hold of a copy of your policy without having to ask explicitly. You can pull a statement of insurance coverage from your bank or credit card, which will usually provide you with a full copy of the policy.

Look At All Of The Options

The best way to get the best rate for car insurance is by comparing as many insurance companies as you can. This is because insurance companies are legally required to give you the best possible rate, so they may be forced into giving you a good deal. If you go to the website of the Insurance Company of Pennsylvania, for example, you'll see that they compare rates for automobile insurance premiums from a variety of different carriers. This allows them to show you a side-by-side comparison of all of the available policies, instead of just showing you the rate for one company's policy.

Since insurance companies are legally obligated to give you the best possible rate, you should always be able to find a good deal when you're comparing different policies. Make sure to look at all of the options before making a decision, instead of just going with the first company that you come across.

Jack Stick
Written by
Jack Stick
Loans, Mortgage, Insurance
Jack Stick is our resident expert on investments and loans. He joined Empire Finance in 2017. He has over a decade of experience writing about and working in the financial services industry. Jack Stick has worked on the trading desk at Credit Suisse and Deutsche Bank. He holds both degrees in finance and journalism from Georgetown University where he graduated Cum Laude.