What Questions Should I Ask AAA When Shopping for Auto Insurance?

If you are comparison shopping for auto insurance, AAA is an option for all AAA members. You should know the right questions to ask when you contact AAA during your shopping research. These research questions include which policy choices are available to you, which discounts you qualify for, how your individual details will affect your AAA premiums, and more.

AAA offers its members auto insurance through a national network of independent insurance providers. You do need to be an AAA member to get the insurance, but the price could easily be offset by the discounts. To find out if AAA auto insurance is a good option for you, be sure to ask a AAA representative the following questions.

What Coverage Is Offered?

AAA offers a pretty wide array of coverage options. It offers standard policy options like collision insurance, bodily injury insurance, uninsured motorist insurance, and comprehensive insurance. It also offers gap insurance, rideshare insurance, new car replacement, and many other nonstandard options. Availability may vary by state, so be sure to ask what your choices are.

What Discounts Are Offered?

AAA also offers a lot of different discounts. If you have a certain level of education or one of a certain list of jobs, you could get a discount. You can also get discounts for installing anti-theft devices, being a safe driver, and signing up for automatic payments. Discounts for paying your premiums upfront, completing driver training courses, and more are also available. Ask to find out which ones you qualify for.

How Exactly Do My Personal Details Change My Rate?

Your AAA insurance rate will be based on the risk it figures you run due to lifestyle factors such as your neighborhood's crime rate and your job. To be able to accurately compare AAA's insurance to others, you should know how AAA assesses the risks you run.

What Exactly Is Covered by the Policies?

All auto insurance policies have limits on the coverage offered. These limits may vary by state and by claim circumstances. You must make sure you have a solid understanding of the coverage you'll get from AAA before you make a decision.

Getting Your Research Started

To ask these and any other questions you have, contact AAA's customer service. You can reach an AAA representative by phone.

Why does GetHuman Write How-to Guides for AAA Problems?

GetHuman has been working for over 10 years on sourcing information about big organizations like AAA in order to help customers resolve customer service issues faster. We started with contact information and fastest ways to reach a human at big companies. Particularly ones with slow or complicated IVR or phone menu systems. Or companies that have self-serve help forums instead of a customer service department. From there, we realized that consumers still needed more detailed help solving the most common problems, so we expanded to this set of guides, which grows every day. And if you spot any issues with our What Questions Should I Ask AAA When Shopping for Auto Insurance? guide, please let us know by sending us feedback. We want to be as helpful as possible. If you appreciated this guide, please share it with your favorite people. Our free information and tools is powered by you, the customer. The more people that use it, the better it gets.