AAA Insurance – What it is and How it Works

In the travel and insurance industry, AAA Insurance is a household name. To make use of the American Automobile Association (AAA), you have to be a member. The membership is worth it because there are always discounts for every member. However, you will have to sign up to become a member. If you are already a regional club member, car insurance will be a great option for you.

AAA Insurance - What it is and How it Works

It is worth noting that AAA itself is an organization that provides services such as trip planning and roadside assistance packages for AAA members. Aside from that, it offers other insurance products like homeowners insurance, life insurance, and renters insurance. Membership with AAA is for life, and as a member, you are entitled to many benefits and discounts. Lastly, AAA Coverage comes from separate companies operating in many states, coverage options will depend on where you reside.

How Does It Work?

It is very simple; all you have to do is visit the AAA website and put in your ZIP code. Once you have done that, the organization will send you to the website of your local club, where you can learn more about your insurance options and also get an online quote. However, to buy homeowners insurance, you have to be a member of the AAA local club. However, if you sign up for AAA membership, you will get other perks like roadside assistance, travel discounts, and more.

Advantages Of Choosing AAA Insurance

When you go for this insurance, you have automatically chosen peace of mind. Here are some of the advantages of choosing this insurance company:

  • All members of the AAA regional club always get a discount on all insurance products.
  • You will have access to local agents who will understand your needs.
  • A full-service insurance agency that can cater to all your insurance needs
  • AAA has over 100 years of experience and stability behind every policy.

Since the American Automobile Association is member-based the needs of every member come first.

Does AAA Offer Home Insurance?

Yes, this company offers home insurance. It doesn’t just offer auto insurance, roadside assistance, or travel discounts. It offers home insurance through its network of regional AAA clubs.

What other Types of Insurance Does AAA Offer?

AAA insurance comes in different types. You can get auto insurance, renters insurance, life insurance, and other types of insurance through your regional club.

What Other Insurance Does AAA offer?

Aside from car insurance, the American Automobile Association offers other insurance as well. Below is a list of the insurance you can purchase.

  • Umbrella Insurance
  • Renters Insurance
  • Motorcycle Insurance
  • Life insurance
  • Homeowners Insurance
  • Boat and RV insurance
  • Earthquake insurance
  • Business Insurance
  • Snowmobile insurance

There are other types of insurance you can purchase from AAA Insurance.

AAA Insurance Mobile App

I bet you didn’t know AAA insurance is available in mobile apps. Well, now you know. The AAA mobile app is available for both Android and iPhone, and you can also use the app to:

  • Shop for AAA discounts.
  • Request roadside assistance.
  • Manage your AAA car insurance policy.
  • Access your paperless AAA cards.
  • To find gas stations in your area,

With the AAA Mobile app, life is easy. Download the app on your device and see how easy it is to use.

What Coverage Does AAA Insurance Offer?

AAA insurance comes from different companies operating in different states. This is why coverage options usually depend on where you reside. These are some of the coverages that the company offers.

Rideshare Coverage

This coverage ensures you are always covered during your rideshare job.

Better Car Replacement Coverage

In a situation where your car gets crashed or smashed by another car, this coverage will pay for the car. However, the new car will be one to two years newer than your old vehicle.

OEM Exterior Repair Coverage

This coverage pays for original equipment manufacturer parts instead of fake parts. The original auto parts can be used for external body repairs.

New Car Replacement Coverage

For new car replacement coverage, it covers the price of a new vehicle in a situation where your car is destroyed. In this coverage, your car will be replaced with a vehicle of the same make and model.

How Do I Apply For AAA Insurance?

You can apply for this insurance by first becoming a member of the American Automobile Association. To do this, you just have to follow these simple steps below.

  • First, you have to visit the official website.
  • When you get to the web page, click Join AAA.
  • You will be taken to another page.
  • Choose the membership that is right for you.
  • After that, enter all your information.
  • Make payments
  • After making payments, you will receive a confirmation of your membership.

There are lots of benefits you get to enjoy as a member, and now that you have successfully applied for a membership, it automatically means you have applied for insurance.


Why is AAA Insurance Expensive?

One reason why your AAA insurance is expensive is because your AAA rates have increased and you haven’t filed a claim or committed a traffic violation. However, you can compare quotes from other companies if you feel you are paying too much for AAA insurance.

Does AAA Cover Rented Cars?

Yes, AAA covers rental car insurance. But it can only be done when it temporarily replaces your insured car or is used for short-term leisure purposes within the U.S.

Does AAA Offer Travel Insurance?

Yes, it does. It offers travel insurance that can cover medical emergencies, travel cancellations, delays, and lost luggage.

Does AAA offer Gap Insurance?

Most regional insurers offer gap insurance. They have optional gap insurance that is worth it if you are underwater on your vehicle and owe more than it’s worth.

Does AAA offer New Car Replacements?

Yes, it does; it offers a form of NEW car replacement insurance. But it depends on your regional AAA insurer. The new car replacement insurance pays to buy a brand new car of a similar make and model rather than buying the depreciated value of your vehicle.