Automobile Club of Southern California Auto Insurance

AAA car insurance Pros & Cons

AAA car insurance FAQ

What types of car insurance coverage options does AAA car insurance offer?

AAA car insurance customers can also add the following riders or endorsements to their insurance policies:

• Modified Vehicle Insurance: This coverage, also known as customized parts and equipment coverage, can help repair or replace alterations and upgrades you make to your vehicle. Notice that most car insurance policies will only cover original equipment so you may want to consider this policy if you've invested a lot of money on aftermarket parts and upgrades.
• Travel Expenses / Trip Interruption Coverage: This coverage helps pay for non-refundable expenses if your trip is delayed or canceled due to an accident, mechanical breakdown, theft, injury, unexpected illness, or some other covered event.
• Rental Car Coverage: Rental car coverage, also known as rental car reimbursement, pays for the cost of a car rental if you can't drive your vehicle because of a covered loss, such as a car accident, theft, or vandalism.
• Non-Owner Liability Coverage: This policy is designed for people who drive a vehicle they don't own. It is also used by businesses who want to provide coverage for their employees when they use their personal vehicles for work. In some cases this endorsement will also cover rental vehicles.
• Loan / Lease / GAP Coverage: GAP coverage covers the difference between what you owe on your vehicle and its current cash value in the event of a total loss.
• Emergency Roadside Service: Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.
• Mechanical Breakdown Coverage: If your vehicle is protected by mechanical breakdown insurance the costs of repairs (not including maintenance or normal wear and tear) are covered by your policy. However, you will need to obtain authorization from your insurance company first.

Does AAA car insurance have roadside assistance?

Emergency Roadside Service available. Yes, Automobile Club of Southern California offers roadside assistance to policyholders. Coverage varies by carrier but it typically includes jump starts for dead batteries, labor to change a flat tire, towing, and lockout services.

Does AAA car insurance offer ridesharing insurance?

No, AAA car insurance does not offer ridesharing coverage as a rider or endorsement.

What benefits does AAA car insurance offer?

• 24/7 Phone Availability: Customer service is staffed around the clock.
• Local Agents: Perfect for people who prefer the personal touch of a local insurance agent.
• Free Policy Cancellation: No cancellation fees for ending your policy early.
• Mechanical / Auto Body Repair Network: Enjoy the competitive prices and peace of mind of having access to a network of service and repair shops.

What insurance discounts does AAA car insurance offer?

When you ask for an insurance quote with AAA car insurance, make sure you ask for all the insurance discounts you qualify for. These are the insurance discounts currently available that are specific to car insurance.

• Internal Safety Features: AAA car insurance offers additional savings if you have seatbelts, airbags, and similar safety features. Ask what other safety features on your car will trigger an inurance discount.
• Low Annual Mileage: If you don't put many miles on your car (typically under 15,000 miles a year) you may qualify for an insurance discount.

How does Automobile Club of Southern California calculate insurance rates?

Does AAA car insurance use your credit score?

1. If you live in California, Hawaii, or Massachusetts, a car insurance company is not allowed to use your credit report as a rating factor.
2. There are also a handful of car insurance companies that base their insurance rates exclusively on telematic data. These companies collect information on your driving behavior and use it to determine the risk you pose as a driver.

How can I get a AAA car insurance insurance quote

• Visit the Automobile Club of Southern California website.
• Fill out the insurance online quote application form. You will typically need to provide personal information, such as your name, vehicle, driver's license, and address.
• Check the information is accurate and submit your application.