AAA Auto Club Insurance: Everything You Should Know
Let’s delve into AAA Auto Club Insurance, commonly known as the American Automobile Association, to provide a comprehensive overview.
Introduction to AAA Auto Club Insurance:
The American Automobile Association (AAA) is a renowned organization that offers a wide array of services to its members, including insurance. With a rich history in the United States, AAA serves Maryland residents as well.
Services and Benefits:
AAA Auto Club Insurance presents numerous advantages and services to its Maryland members, including:
- Roadside Assistance: A standout feature of AAA’s insurance is its roadside assistance service. Members can receive help in situations such as vehicle breakdowns, running out of fuel, or needing a jump start, providing them with peace of mind.
- Discounts and Rewards: AAA members can access various discounts on travel, shopping, and other activities, enabling them to save money on various products and services.
- Insurance Bundling: AAA encourages members to bundle their insurance plans, such as auto and home insurance, potentially saving them money on premiums and offering comprehensive coverage.
AAA Locations:
AAA provides car insurance through multiple auto clubs across the country. Some of the major clubs and the states they serve include:
- Auto Club of SoCal: Serving Alabama, Arkansas, California, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Missouri, Mississippi, New Hampshire, New Mexico, Ohio, Pennsylvania, Texas, Virginia, Vermont, and West Virginia.
- Automobile Club Group: Covering Florida, Georgia, Iowa, Illinois, Indiana, Michigan, Minnesota, North Carolina, North Dakota, Nebraska, South Carolina, Tennessee, and Wisconsin.
- CSAA Insurance Group: Serving Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Idaho, Indiana, Kansas, Kentucky, Maryland, Montana, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Utah, Virginia, West Virginia, and Wyoming.
Coverage Options:
AAA Auto Insurance offers various coverage options depending on your location, including:
- Bodily Injury Liability Coverage
- Property Damage Liability
- Collision Coverage
- Comprehensive Coverage
- Uninsured and Underinsured Motorist Coverage
- Personal Injury Protection
- GAP Insurance
- Rental Reimbursement
- Rental Car Insurance
- Non-owner Insurance
- Pet Coverage
- Accident Forgiveness
- OEM Exterior Repair Insurance
Conclusion:
Travel insurance is a crucial aspect of trip planning, and AAA’s range of insurance policies ensures travelers are protected against unexpected incidents. Whether traveling domestically or internationally, AAA Auto Club Insurance offers tailored solutions to meet diverse needs, providing peace of mind during your journeys. To learn more about AAA Auto Club Insurance and explore coverage options, visit their website or contact a local representative.
AAA Auto Insurance Rates
The cost of AAA auto insurance can vary significantly depending on your location due to AAA being a federation of state-specific auto clubs. However, AAA generally offers comparatively low rates overall. According to WalletHub, here are the average annual premiums of major insurance carriers compared to AAA:
- State Farm: $1337
- Progressive: $985
- Geico: $1060
- AAA: $961
AAA provides affordable rates for all age groups, with 55-year-olds typically paying the lowest monthly premiums and 18-year-olds paying the highest. Here are the monthly charges by age group:
- 18 years old: $143
- 21 years old: $75
- 45 years old: $48
- 55 years old: $45
- 65 years old: $51
AAA club insurance also offers various discounts that can further reduce insurance costs:
- Membership Duration: Members receive discounts based on the number of years they’ve been with AAA.
- Safety Inspection: Allowing AAA to inspect your car can result in a discount on your premium.
- AAADrive or AAA OnBoard: Mobile apps that track driving habits and reward safe driving.
- Safe Driver: Completing an approved defensive driving course can save you up to 20% on your policy.
- Multiple Cars: Insuring more than one regularly driven vehicle may qualify for a discount of up to 27%.
- Multiple Policies: Combining auto with homeowners, condo, renters, or life insurance can lead to savings.
- Pay-in-full Discount: Paying for a full year in advance can reduce coverage costs.
- Paperless Billing: Opting for paperless billing saves on paper bills.
- Loyalty: After one full year with AAA, members receive a 5% discount.
- Safety Features: Vehicles equipped with certain safety features may be eligible for a discount.
- Homeownership: Homeowners may save up to 37% on auto insurance premiums.
- New Car: Vehicles less than three years old may qualify for a 30% discount.
- Professional: Certain professions such as scientists, doctors, engineers, CPAs, or educators may be eligible for a 7% discount.
In conclusion, AAA Auto Club Insurance in Maryland is a popular choice for individuals seeking insurance coverage, backed by the reputation of a trusted organization known for roadside assistance and member discounts. Maryland AAA members should explore available insurance options and contact AAA agents to tailor coverage to their specific needs. If you require further clarification or assistance, please don’t hesitate to reach out to us.
