Everything You Need to Know About AAA Auto Insurance Coverages and Benefits

If you’re looking for AAA auto insurance, it’s important to be aware of the many coverages and benefits that come with the plans you’re considering. By taking the time to look over your options and understand what types of coverage you need, you can make sure you are choosing an insurance plan that will protect your car (and your financial future) as much as possible. There are many different types of AAA auto clubs throughout the U.S., and those who are members have access to different insurance providers depending on where they live.

What is AAA Car Insurance?

AAA Car insurance is offered by different regional companies that are affiliated with AAA. For example, if you have a membership with a company called Aaa in Illinois, then you would automatically get car insurance coverage as part of your membership benefits.

There are many different types of auto insurance coverages and benefits that vary by state and by car club, so it's important to understand what's available to you through your regional affiliation or insurer. _To help members make an informed decision about the type of coverage they should purchase for their specific needs, we’ve provided a detailed list of each coverage option below. _Coverage Type: Liability Coverage

Liability coverage pays for damages when the policyholder has been deemed at fault in an accident. In most states, this includes bodily injury to other drivers and passengers involved in the accident and property damage sustained during the collision. The amount of liability coverage required varies from state-to-state.

Coverage Type: Collision Coverage

Collision Coverage pays for damages when another driver hits your vehicle and you're found not at fault (not negligent). The costs will vary depending on factors such as whether it was raining, who had right-of-way at the time of impact, or if there were any mechanical issues with your vehicle prior to the collision.

Types of Coverage Offered by Car Insurance

Drivers in the U.S. have a number of different types of car insurance coverage available to them, which varies by state. Not all forms of insurance will be right for you, so it's important to do your research before committing. The four most common types of coverage are liability, comprehensive, collision, and uninsured motorist/underinsured motorist.

Coverage can be further broken down into auto coverages versus non-auto coverages: some insurers offer liability only or auto or home coverages only. If you want comprehensive protection for both your car and home at a lower rate than if you bought them separately, look for an auto + home package through your insurer.

These packages typically cost less than $200 per year because they require no deductible. In contrast, if you buy these two coverages separately, each would likely cost over $1,000 per year due to the high deductibles required on these policies (typically $500).

Deductible is the amount of money that must be paid out-of-pocket toward covered damages before your insurance company pays anything; this is usually expressed as a percentage. As noted above, higher deductibles mean higher premiums but also more flexibility since there is less chance that your insurer will need to pay out on any claims.

Is it Worth It?

With car insurance, the answer is always yes. But which type of car insurance coverage should you get? What are the different types of auto insurance coverage benefits? What if your driving privileges are suspended or revoked? Learn the answers to these questions, plus more about what AAA has to offer by reading this blog post.

The company offers many regional companies that provide car insurance as well as other financial services, such as loans. One of their most popular offerings is roadside assistance, which can come in handy when a vehicle needs some emergency attention like a flat tire or battery jump-start.

AAA also offers extended warranties for both new and used vehicles on top of all the other benefits it provides. There's no need to worry about how expensive repairs may be because they cover up to $10,000 per claim with no deductible. They'll even take care of renting a vehicle during an eligible repair period. Just call 1-800-AAA-HELP for more information or stop by one of their service centers and speak with one of their customer service representatives. If you have any doubts about what type of coverage to buy, please feel free to give us a call!

Choosing An Insurance Company

When it comes time to choose an insurance company, you want a company that is reliable with knowledgeable staff. Each company offers different coverage options, so there's no one-size-fits-all solution. Look at how much your rates are increasing annually, what percentage of repairs they'll cover, how easy it is to contact customer service representatives, etc. Make sure the car insurance company provides the type of coverage you need for your needs. If you have any questions about what would be best for you, feel free to ask! We hope this post has helped provide some information on AAA auto insurance coverages and benefits.

If you have any other questions, please comment below or email us: we're always happy to help. Thanks for reading and we hope this post has been helpful!

Getting The Best Deal

1. Shop around, which can be done through a number of online websites that compare rates from various companies in an easy-to-read chart form. It's also worth checking with smaller independent agencies for rates, as these may be higher than other major providers but won't be as expensive as going uninsured.

2. Some states mandate car owners carry liability coverage, so you may want to verify whether or not your state requires this before you shop around too much.

3. Another way to save money is by increasing your deductible. The higher the deductible, the lower the premium will be for coverage on your vehicle. A $500 deductible might save you 10% off your premium if there are no accidents on record during the previous three years or more; however, this is a gamble because if there is an accident after increasing the deductible, it could cost thousands more in repairs depending on how severe it is.