Aaa Auto Insurance Customer Service

Brief History Of Aaa Texas Insurance

The Truth About AAA Car Insurance

Currently AAA Texas LLC is a member club affiliated with the American Automobile Association national federation and serves members in the state of Texas . Auto Club Exchange or American Automobile Association was orginally incorporated on October 4th, 1912, to provide insurance to the members of the Auto Club of Southern California . The ACSC, founded in 1900 in Los Angeles, was one of the first motor clubs dedicated to improving roads, the proposal of traffic laws, and improving overall driving conditions. It is currently the single most prominent member of the American Automobile Association , with AAA Texas as its subsidiary.

Over the years, Auto Club Exchange or American Automobile Association grew to provide services to members of Auto Club of Southern California and its affiliates and subsidiaries like AAA Texas and other members of other non-affiliated American Automobile Association AAA clubs. The AAA Texas exchange club operated in the State of Texas is one of the largest of all the American Automobile Association clubs in the United States and Canada with 15 million members.

How Much Does Aaa Cost

Now that you know more about AAA as a company and what customers have to say, youre probably ready to move forward in considering AAA as a potential auto insurer for you.

But before you make any decisions, you likely want to know how much AAA costs. Is it financially feasible for you to insure your car, truck or SUV with AAA? Keep in mind that insurance companies consider a variety of factors when calculating your insurance rate, such as coverage levels, driving record, age, gender, , and more.

One important note: because AAA auto insurance is offered to AAA members only, you must first become a member of AAA before you are eligible to receive an auto insurance policy. AAA memberships cost anywhere between $50 to $130, depending on the level of membership you choose to purchase. The Basic Membership costs about $50-$70 a year, the Plus Membership typically costs $80-$100 a year, and the Premier Membership usually costs around $100-$150 a year. It also typically costs between $30 and $65 to add a family member to your AAA membership.

The cost varies depending on where you live, so its best to check with your local AAA branch if youre curious about membership. When calculating the overall cost to you, make sure you add this annual membership fee to your yearly total.

Take a look at the breakdown below to determine if AAA auto insurance fits into your budget.

$3,925 $4,949

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Aaa Auto Insurance Rate Increases

Because AAA is a membership club rather than an insurance agency, they do not underwrite their own policies. This also means theyre not necessarily in control of the base rates on that policy. With that being said, they obviously have an interest in getting their members the best possible deal.

All auto insurance companies raise their rates for a number of reasons, which may include rising inflation, increased number of drivers on the road, statistical increases in collision numbers, and other factors. AAA is no exception to this rule.

Outside of those increases, insurance premiums will also increase with hits to your driving record like a ticket or an at-fault accident. They may also go up if your insurer has to pay out a large claim for vehicle repairs, regardless of who was at fault. A ticket or an accident can raise your insurance premiums by as much as 25%.

Perhaps surprisingly, the other factor that will strongly affect your insurance cost with AAA is your credit score. Statistically, those with poor credit are more likely to file a claim with their insurance, and AAAlike other insurance companieswill determine premiums accordingly.

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Financial Standing Of Aaa Insurance And Aaa Texas

As a policyholder, your biggest concern is often whether the company is financially strong enough to pay out your claim. You will definitely be pleased to know that the American Automobile Association / Auto Club Exchange is financially stable and can comfortably meet its financial obligations to its customers. It has been rated A+ by A.M. Best.

The company also has strong financial backing. Both the inter-company pooling agreement and the backing of ACSC mean you are in safe hands. Auto Exchange is not a publicly-traded company and therefore has no market cap, and neither does ACSC.

Aaa Auto Insurance Claims

Cofinity insurance

There are multiple steps to filing an insurance claim, and the process works much the same at AAA as with any other company.

Contact the Police

The true first step to almost any claim is to contact the police. If youve been in a collision that caused a large amount of damage to you or your vehicle, a police report will be needed to resolve the claim. In some states, reporting is mandatory over a certain amount of monetary damage, or if anyone is injured make sure you know your local laws.

Record the Details

You want to record what led up to the accident including everything you can remember about the collision, as well as a description of the other drivers vehicle and their license plate number. The police report will contain these details, but its prudent to have your own notes as well.

Contact Your Insurance Company

Once youre out of the immediate situation, contact your insurance company. Fill out any necessary paperwork with them and discuss what you might need to provide to get the ball rolling. Theyll also tell you any deadlines you may need to work within.

Track Your Expenses

As you go through the process, youll need to keep track of any expenses related to the repair of your vehicle and, if youre covered for it, your own medical costs. You will also need to document and photograph the damage to your vehicle.

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Aaa Affiliated Companies Offer A Full Line Of Auto Insurance Options For You And Your Family:

Liability Pays when you are legally liable for unintentional bodily injury. It also covers others property damage.

No-Fault Coverage Some states require no-fault insurance. The major component of this type of coverage is Personal Injury Protection insurance, which pays without regard to fault for medical, work loss and other expenses resulting from auto accident injuries.

Collision Pays for physical damage to your vehicle caused by a collision.

Comprehensive Coverage for non-collision related losses, such as fire, theft, glass breakage and vandalism.

Uninsured/Underinsured Motorist Pays damages you are legally entitled to recover from an uninsured or underinsured motorist.

Custom, Electronic or Extra Equipment Coverage Get coverage or higher limits of coverage for non-factory installed items attached to your vehicle.

Car Rental Coverage Pays for car rental if your car is out of service for more than 24 hours from a loss covered by your Collision or Comprehensive coverage.

Medical Payments Covers medical and funeral expenses resulting from injuries in an auto accident.

Aaa Auto Insurance Payments

AAA insurance is typically a monthly payment, though some clubs may offer a discount if you pay your auto policy for the year in full. The premium can be paid online using the site of the local or regional club you purchased your policy through.

If you need assistance, you can contact AAA by phone. Numbers vary by regional club.

The average monthly cost for AAA is about $150, though this varies widely by state. In Indiana, for example, it may be as low as $80 per month.

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Aaa Insurance Customer & Claims Services

  • Customer service agents can quote rates on phone
  • Apps that cover travel and AAA services available
  • AAA coverage applies to you whether you are in your car or are a passenger in someone elses car
  • High customer satisfaction rating
  • 7,000 AAA Approved Auto Repair Shops
  • DMV Services At Most Branches
  • FREE Hertz Gold Plus Rewards Membership
  • Windshield Repair/Replacement Reimbursement
  • One-Day FREE Car Rental With Tow
  • Discounts On Auto, Home, & Rental
  • Bail Bond For Covered Traffic Violations
  • Expert Travel Consultants
  • Road Trip Interruption & Delay Coverage
  • Road Trip Lost Baggage Coverage
  • Motorcycle Roadside Services

Aaa Auto Insurance Discounts

AAA Insurance Review

The AAA Auto Club South claims that users save $749 on average by switching to AAA, and AAA insurance reviews mention big savings too. You can look out for the following AAA car insurance discounts:

Because AAA is made up of several different auto clubs in various regions, discounts vary by AAA club and location. Make sure to do your research and contact a local AAA agent near you to get the most accurate list of available discounts.

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Get In Touch With Aaa

We’re always with you when you need to reach us

Please have your membership number handy and include it in all correspondence this helps us assist you more efficiently. If you’re having difficulty logging into your account, try resetting your password.

2022 holiday hours

  • May 25 Closed

Membership services

  • Phone hours: 7 a.m. to 9 p.m. MondayFriday, 8 a.m. to 5 p.m. Saturday
  • Report a claim 24/7: 1-800-67-CLAIM

What Is An Insurance Deductible

Your deductible is the amount you’ll pay out of pocket for a claim before your insurance company pays. A higher deductible can help lower your monthly premiums, but will increase the amount you’re responsible for in an accident.

1Average savings claims from a 7/1/206/30/21 new insured survey of those who switched to AAA coverage and reported savings. Residents from the following states where an Auto Club Enterprises Insurance Group insurer offers insurance were surveyed: AL, AR, CA, HI, IL, IN, KS, KY, LA, ME, MO, MS, OH, PA, NH, NM, TX, VA, VT and WV

2To receive the up to 15% Activation discount on a vehicle, one must enroll and accept AAA OnBoard program’s Terms of Use and Privacy Statement, download the Auto Club app and successfully activate AAA OnBoard on a qualifying smartphone. The 15% Activation discount is pro-rated on the remaining policy term. To qualify for the up to 30% AAA OnBoard Driving Score discount at subsequent renewal, the app must be used for a certain amount of time and record a certain number of trips. The new higher 15% and 30% discounts are effective 9/1/19. Discounts are conditional, vary by policy and may be mutually exclusive and apply to select coverages.

Auto Club County Mutual Insurance Company and Auto Club Indemnity Company provide AAA insurance coverage for Texas residents. Each listed insurer has sole financial responsibility for its own products.

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About My No Claim Discount

Where can I find proof of my no claim discount?

New customers

When you get a car insurance quote, we ask how many years no claim discount you already have. This information can be found on the cancellation notice or last renewal invitation from your previous insurer.

In order to validate your policy after purchase, we may ask for proof of the discount you’ve earned.

Existing customers

If you already have car insurance with us, the number of years no claim discount is on your certificate of insurance. You’ll have received a copy at purchase or renewal, either by post or,

If you need a replacement certificate of insurance, please call us on 0370 533 2211.

Can named drivers get a no claims discount?

Yes they can. Named drivers over 25 can earn their own no claims discount to use on a policy with us.

What You Need To Cancel Aaa Auto Insurance

Top 740 Reviews and Complaints about AAA Auto Insurance

AAA aims to ensure that nobody except the client can alter their policy. To this end, you will need several pieces of information to verify your identity and cancel your policy. Be ready with your name, address, license number, and policy numbers when you speak with an agent.

Make sure to have the following information when you call to cancel your AAA auto insurance:

  • Name and address with ZIP code

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When reaching out to an agent for this, or any reason, it is important to prepare for the call. Make sure to have your AAA membership card on hand and consider bringing a notepad and pencil to write down any questions or important information. For instance, writing down the agents name and any confirmation number may be useful.

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A Closer Look At Aaa Auto Insurance

Since AAA is spread out over multiple car insurance companies and groups, looking at just one doesnt give you the whole picture. However, three of AAAs auto insurance groups appeared on the National Association of Insurance Commissioners list of the top 25 companies by insurance premiums written in 2018. Here are the stats:

If you add these three together, the total amount of AAA car insurance premiums written sits above major players like Nationwide, according to the NAIC.

Across all of the AAAs different companies and groups, the insurance provider received an Excellent rating from AM Best for its financial strength, meaning that when it comes down to it, AAA is very likely to be able to pay out insurance claims.

Aaa Auto Insurance Review: Should You Join The Club

Affiliate disclosure: Automoblog and its partners may be compensated when you purchase the products below.

According to AAA , there are currently 58 million AAA members throughout the U.S. and Canada. The company has built a name for itself in roadside assistance and insurance over the course of over 100 years. But is AAA auto insurance worth becoming a member?

We researched the best auto insurance companies and rated them based on factors like affordability, online experience, and more. We looked at ratings and customer reviews, then went through the process of obtaining a quote to give you an unbiased look at AAA car insurance.

Keep reading to learn more about AAA car insurance, or fill out the form below to get quotes from providers in your area.

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What You Should Do If You Are Involved In A Car Accident

The dos and do nots if you have a vehicle accident

1. Do make the accident site secure so that no one else gets hurt.

2. Do phone 000 if anyone is hurt.

3. Do take photos and make notes.

4. Do get the details of the other person/s that were involved in the accident. A photo of their drivers license is a great way to capture all the details quickly and accurately.

5. Do not get angry.

6. Do not admit fault.

7. Do contact your insurance company.

Aaa Auto Insurance Reviews

AAA Roadside Service and Approved Auto Repair

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Page 1Jay of Palm Coast, FL Verified Reviewer

I had AAA for a year. Called them one time for a flat tire and they never showed up, I will never use them again, just a waste of time and money….do not spend money on liars like AAA. The company should be called FFF for failure to show up.

Josh of Los Angeles, CA Verified Reviewer

AAA is a terrible insurance company. We were hit by a customer of AAA and they denied our claim because they suggested that there wasn’t enough damage. Marina ** at ** and Chelsea ** at ** are terrible people to deal with and denied our claim without giving sufficient reasons. They clearly will do whatever is needed not to pay out insurance claims. If you are looking for an insurance company, DO NOT USE AAA.

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Aaa Texas Auto Insurance Claims

The State of Texas is one of the states in which the American Automobile Association AAA or AAA Texas Auto Insurance Claims is licensed to provide automobile and other insurance services. If you have been injured in an auto accident and the responsible party holds AAA Texas dont try to fight the insurance company alone. if you need assistance!

AAA Texas is a large company and you can find out more by reading our information page regarding AAA claims in the state of Texas but if you have been injured and are making a claim against a driver with an auto insurance policy from AAA Texas its best to hire an attorney. AAA Texas has had numerous complaints with the Better Business Bureau and currently has an F BBB rating.

Are There Different Types Of Auto Insurance Coverage

Yes, there are several common types of auto insurance coverages including:

  • Bodily injury liability coverage Pays for the medical expenses and damages of other people who are injured in an accident you’re at fault for.
  • Property damage liability coverage Pays for the damages to other peoples property that result from an accident that you caused.
  • Medical payments coverage Pays medical expenses for you and/or occupants in your car who are injured in an accident regardless of fault.
  • Collision coverage Pays for accidental damages to your car when it is involved in a collision.
  • Comprehensive coverage Pays for accidental damages to your car that aren’t the result of a collision, such as fire or theft.
  • Uninsured motorist and underinsured motoristcoverage Provide protection, up to the policy limit, when you’re in an accident caused by someone else without sufficient insurance.
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