AAA Auto Insurance

AAA auto insurance is one of the many quality products offered to members through the Automobile Association of America. Additional insurance products include homeowners insurance, life insurance, and other insurance products.

Members Only

AAA is well known for providing excellent roadside assistance services to members, but this organization also partners with a variety of insurance providers in order to offer a wide variety of products and services to members at a price that is lower than without the AAA membership affiliation.

AAA auto insurance, just like all other insurance products offered through AAA, is only available to current members. This means that in order to continue to receive the benefits of AAA auto insurance at the reduced price, the customer must be in good standing with regards to annual dues.

In addition to the reduced prices for auto insurance, members enjoy the excellent customer service for which AAA is famous.

AAA Auto Insurance Coverage

AAA representatives can assist members in finding out what auto insurance coverage is mandatory within the state as well as which optional insurance coverage is suitable for the member's needs. Coverage provided by AAA includes, but is not limited to:

• Liability Coverage: States requiring motorists to have liability coverage set the minimum limits for the coverage. AAA representatives will guide members through the process of getting adequate coverage for auto insurance.
• Uninsured Motorist: This coverage covers the medical costs associated with recovering from an accident caused by someone who does not have adequate auto insurance coverage. AAA offers this coverage in conjunction with liability insurance.
• Comprehensive Coverage: AAA offers comprehensive coverage that protects members from financial loss due to damage not related to a collision. This coverage covers members for theft, storm damage, and other instances resulting from something other than an accident.
• Medical Coverage: This policy covers medical costs associated with vehicle accidents or accidents occurring to the member as a pedestrian. AAA also covers accidents occurring to members in someone else's car.
• Collision Coverage: This is the policy that provides coverage for damage associated with an automotive collision. It also provides coverage when members collide with an object other than another vehicle.
• Rental Care Reimbursement: AAA members are covered for the cost of a rental car if their primary vehicles are inaccessible due to repairs needed because of a collision or other incident damaging the car.

The spectrum of coverage each AAA customer receives depends on the laws of the state in which the the insurance is purchased and the policies selected by the customer. AAA representatives can assist customers in figuring out the best policy available.

Apply for Coverage

Potential customers must apply for AAA membership before applying for AAA coverage. There are a few options for applying for auto insurance coverage through AAA:

• At a local AAA office
• Over the phone: (800) 222-6327
• Using the official AAA insurance application online

Applying for auto insurance coverage through AAA does not guarantee that a policy will be issued. Be prepared to answer a long series of questions when applying for auto insurance through AAA including:

• Your contact information
• Information regarding existing auto insurance coverage
• Details regarding the vehicle or vehicles to be included under the policy
• History of your driving habits
• The amount of coverage you want to purchase
• Names and employment information for all covered drivers
• Details of citations and accidents

You will also want to tell AAA about any professional affiliations or credit union memberships you have because this may give you an even better discount.

Inspection Requirements

In addition to applying for membership and applying for an insurance policy, applicants may need to provide the vehicle for a thorough inspection from a AAA representative to make sure that the vehicle is suitable for insurance coverage.

AAA does not require a vehicle inspection for every single insurance policy. Contact a AAA representative for more information.

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