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AAA Insurance Review

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Eric Stauffer is a former insurance agent and banker turned consumer advocate. His priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best...

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UPDATED: Nov 30, 2018

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While calling AAA makes most people think of a tow truck, the non-profit auto club is also a major player in the insurance industry. With over 100 years of specializing in the needs of motorists, the company’s auto insurance offerings come at no surprise. In fact, they’ve been writing insurance a lot longer than most people realize.

AAA Overview

Founded in 1901, the American Automobile Association, known to most people today as AAA, or Triple-A, was among the first member-based clubs to address the needs of a growing population of car owners in the U.S.. Their early focus was on building better roads, but they quickly expanded into various realms of motorist safety as well as publishing maps and guidebooks. With each element provided, the goal was to improve the driving experience for all members.

In 1912, AAA’s California branch, the Automobile Club of Southern California, began offering auto insurance to members. In 1969 AAA opened its life insurance company, and over time expanded to offer home insurance, travel insurance, and other types of insurance as well. Insurance is sold only to members of AAA, which requires an annual fee to maintain membership.

Known as CSAA since 1907, the auto insurance branch of the AAA family expanded throughout the past few decades to offer insurance in multiple states outside of California. Today, insurance through this company, and its subsidiaries, is available in 26 states. CSAA ranked at number 16 among the largest insurance companies in the United States for 2015, and writes insurance across these states in their entirety:

  • Nevada
  • Utah
  • Oregon
  • Alaska
  • Arizona
  • Colorado
  • Connecticut
  • Delaware
  • Maryland
  • Montana
  • New Jersey
  • Oklahoma
  • South Dakota
  • Virginia
  • Washington D.C.
  • Wyoming

CSAA also offers coverage in some areas, based on county, in the following states:

  • California
  • West Virginia
  • Idaho
  • Indiana
  • Kansas
  • Kentucky
  • New York
  • Ohio
  • Pennsylvania

AAA sells most other types of insurance through a variety of other companies, and does not underwrite many of the policies. Among the carriers in affiliation with AAA are Progressive, Foremost, MetLife, MAPFRE, Travelers, and more. This is a fairly common practice and even less surprising from a non-profit company that is not, at its root, a financial services company.

AAA has branches across the country and members belong to their local club, although the national headquarters is located in Heathrow, Florida. As a result members who move may need to shift their membership to the local group. Members receive a number of benefits of membership, including roadside assistance, discounts at hotels and attractions, free maps, guidebooks, and more.

The most recent numbers show AAA has reached the 55 million mark for membership and continues to grow today. Of course, not all of these members use AAA for insurance services, but rather for the other perks of membership, mainly roadside assistance.

AAA insurance products are sold through agents, and although online quoting not available, there is an online quote request form for auto insurance. They also offer a toll-free number for information and quote requests.

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Insurance Products

As previously noted, AAA does not underwrite most of its insurance products, but rather uses the AAA Interinsurance Exchange. They offer a good range of products this way, through some very well known insurance companies.

Overall, the website seriously lacking in the kind of information that helps consumers compare insurance companies. The site offers very limited information on auto, and even less on other policy types. Visitors are directed to request a quote or speak to a representative. This is slightly disappointing in the age of Internet research.

Auto Insurance

Easily the insurance product for which AAA is best known, auto insurance policies include all of the basic coverage that would be expected such as liability, collision, and comprehensive. The company offers a list of other options that can be added to auto insurance, which can vary by state.

One option you will not see on an AAA auto insurance policy is towing and labor/roadside assistance. This is because these things are covered by the general benefits of AAA membership, so unlike other policies, there is no need to add it as an option.

AAA offers a list of discounts on their auto insurance policies similar to those available from other major companies. They also offer bundling discounts on auto/home as well as auto/life for those who take out more than one type of policy.

Home Insurance

AAA also offers property insurance to protect several different types of homes. Their comprehensive policies are available for the following:

  • Standard Homeowners Policies – covering structure, personal property, and personal liability
  • Condo Owners Policies – provide for the specific walls-in nature of condo coverage, as well as personal property and liability
  • Renters Insurance Policies – cover only personal property and liability for tenants who don’t need structure coverage

AAA also offers separate flood and earthquake insurance policies for added protection against risks not covered by the homeowners policy.

Life Insurance

The AAA Life Insurance Company writes a variety of life insurance products, as well as annuities and even AAA’s travel insurance plans. More information is available on these policies than any other product, probably thanks to a separate company website.

The main three life insurance policy types are available: term, whole, and universal:

Term Life is available in two main types, traditional and express. The main differences between these two policies are that the express term requires less in terms of underwriting – no medical exam, and as a result also offers lower death benefit levels. Traditional policies go up to $5 million while express is capped at $250,000 maximum.

AAA has a Simple Whole Life policy offering permanent protection with level premiums as well as cash value benefits. They also offer a Guaranteed Issue Graded Benefit Whole Life plan that is easy to obtain without a medical exam.

Universal Life is offered as a flexible permanent life insurance option that allows for cash value accumulation as well as a guaranteed death benefit along with premium flexibility.

AAA also offers two types of annuities: deferred and immediate, to provide tax-deferred income for retirement.

Travel Insurance

AAA members can purchase travel protection insurance plans that are underwritten by AAA Life Insurance Company. These plans cover basic medical needs while traveling, including hospital costs and accidental loss of life benefits. The plans to not cover trip cancellation or any of the other common travel insurance options, only medical and death benefits.

AAA does partner with Allianz Travel Insurance to offer more comprehensive travel insurance plans. These plans include items such as trip cancellation and interruption, baggage loss, and trip delay among other coverage options.

Wedding Insurance

AAA partners with top insurer Travelers to offer wedding insurance policies. These help protect the investment in a wedding, including deposits and fees, as well as providing liability coverage for the event itself.

Additional Products

While the AAA website is a little difficult to navigate and offers a slim amount of information regarding many of their products, it appears that they also offer coverage for vehicles other than cars – such as ATVs, RVs, and more – through affiliated insurance companies.

Membership

AAA products are only available to members, and membership requires an annual fee. For your fee you get a lot of perks, not the least of which is the roadside assistance (for which AAA is best known).

While plans differ depending on the state you live in, there are typically three membership levels:

  • Basic/Classic Membership – the most affordable option, includes limited towing benefits as well as locksmith services, gas delivery, tire changes, bicycle service, and battery services.
  • Plus Membership – increases the towing distance allowable, increases locksmith service benefits, and includes motorcycle and scooter coverage. Also available is the Plus RV plan, which adds coverage for an RV or trailer.
  • Premier Membership – the highest level – includes the highest limits for towing and locksmith service, and also adds perks like trip interruption. Premier is also available with the RV option.

AAA members also receive a host of discounts at various locations throughout the world, as well as access to trip planning services and travel assistance. In some locations AAA even offers DMV services to allow members to skip long lines.

Certainly AAA membership has a lot of perks, which is why they have millions of members. The question comes up repeatedly, however, as to whether it’s worth it to pay for AAA membership when most insurance companies offer roadside assistance as an option for far less in terms of annual cost than an AAA membership.

If you are only looking to get basic roadside assistance, you may find it to be more affordable to add it to your policy through your auto insurance. That said, the membership fees for AAA offer a lot of perks, and if the auto insurance offered is a good deal, you may wind up paying less in the long run while getting more benefits. The only way to know for sure is to do a rate comparison while factoring in the cost of the membership. We’ll take a look at how AAA’s insurance rates stack up next.

Prices and Premiums

Let’s start with the cost to become a member of AAA. In California, Classic level membership costs $56/year. Plus is $91, and Premier is $119. That’s more than most insurance companies will charge to add roadside assistance, but in the case of the higher-level memberships especially, AAA may offer much larger benefits.

Most insurance companies put a limit on how far they will tow a vehicle or a dollar limit on the cost for towing. This is true of AAA membership as well, although as previously stated higher-end plans offer much better benefits in this area.

The initial cost of becoming a member aside, do AAA insurance rates make it worthwhile?

In general, it seems that they do. Rate tests consistently bring AAA in at lower than average, based on our test sample. About 15% lower than average, which is good for an insurance company that relies on agents to sell policies.

Add in some of the discounts available if you have additional policies through AAA affiliates and companies, and odds are good that the rates are going to be quite competitive for most people. With the cost of a basic yearly membership included, AAA is still likely to come out on the savings side.

It’s important to note that our sample is for drivers with clean records – like most major insurance companies, AAA’s best rates are going to be for this type of low-risk driver. For anyone with tickets or accidents on their record, AAA may not be quite as competitive as some other companies specializing in higher-risk drivers.

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Claims

Of course, the big concern with any insurance company is how they handle claims. Whatever the rates and benefits of the policy, an insurance company must step up to the plate when it comes to taking care of customers in a crisis. This is something AAA promises to do without fail, and their website makes a pretty big deal of driving this point home.

However, the J.D. Power claims satisfaction survey for 2016, CSAA, which handles most of the auto insurance for AAA, falls short in living up to the promise. They come in with an overall rating of 3 out of 5, or below average, across the board in all categories. The categories the company is ranked under include service interaction, appraisal, repair process, and settlement.

Claims with CSAA can be filed online via a claims form. There is also a 24-hour toll-free line available to make a claim by phone at 1-800-922-8228.

Roadside Assistance is handled through a different line, 1-800-AAA-Help.

The AAA website is generally lacking information on how claims are handled. There is a customer portal where it is possible claims status can be viewed, although there is little information.

The site does make it simple enough to figure out where to file your claim, but beyond that, offers very little assistance. This is not particularly surprising since the site is generally lacking in overall information regarding their auto insurance policies, instead directing the visitor to ask for a quote or contact a rep.

Advertising and Media

AAA is an extremely well known company, if not entirely for its auto insurance program. Since it’s primarily an auto club, most people know it as the place to call if someone breaks down on the side of the road. “Do you have AAA?” is a pretty common question in any roadside emergency.

AAA advertising often covers a broad range of their products rather than focusing on one particular product, there is a popular Super Bowl commercial that covers how AAA products can help throughout many of life’s unexpected occurrences.

AAA is a sponsor for NASCAR racing, and they bring advertising together with that sponsorship while throwing in a connection with the release of How To Train Your Dragon 2 in this multi-layered bit of media. The ad presents AAA as a racing sponsor, gets attention with the movie tie-in, and manages to advertise their auto insurance without actually mentioning it, instead focusing on driving safety. It’s an approach that matches what AAA has stood for throughout the past 100 plus years.

AAA also utilizes radio, print, and outdoor advertising to get the word out about their additional services other than just tow trucks. Overall, their advertising is effective without being intrusive, as some auto insurance ads tend to be.

Consumer Feedback and Reviews

Since AAA (as a company) is a very different animal from CSAA and AAA Life Insurance, it can be a bit difficult to form a clear view of how customers view the company.

Looking at CSAA, we find a BBB rating of A+ with a relatively low complaint level – only 201 complaints in the past three years and 85 closed in the past 12 months. For a company that ranks 16th in the nation for auto insurance, that’s quite decent.

CSAA did well on the J.D. Power 2017 Insurance Shopping Study, coming out with a 4 out of 5 rating. As we’ve previously noted, however, the lower rating on claims satisfaction tends to carry a bit more weight, since that’s where you really need your insurance company to shine.

AAA Life Insurance Company also has an A+ rating with BBB and has zero complaints in the past three years on this site. In fact, there is only one review, and it is positive. Low complaint numbers for a life insurance company are pretty common since claims don’t happen nearly as often as with a car insurance policy.

Looking at the ConsumerAffairs.com website, there are a total of 213 ratings.Of the 213, 88 of them are one-star and 59 are five-star. Most reviews report good rates but poor service in the claims department. There are also a lot of complaints about agent service. Overall, the complaints are of a similar nature to what we see with most major insurance companies, and there really is not a huge number of them considering the size of the company.

Again, it’s important to separate the various arms of AAA from each other when it comes to reviews. Some of the reviews encountered are complaints about the roadside assistance arm of the company, which has no bearing on the insurance company in general. However, it can be argued that since these benefits are one of the added values to being a AAA member, those insured with them should be able to depend on good service.

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Bottom Line

AAA Insurance is among the more confusing companies out there due to the various branches and underwriting companies. Although there is not anything unusual about having other companies underwrite policies, the setup of AAA’s insurance branches seems to invite confusion with additional differences when moving across state lines. Overall, the website offers very little information before requiring a quote request, which does not allow easy comparison of policy coverage, perks, and benefits – the kind of thing people like to know before submitting a quote request.

AAA’s insurance programs seem pretty solid from what information is available. Even with the cost of AAA membership, rates still come out on the low side, which is likely to make them a good value. This is especially true for anyone holding more than one policy with AAA.

While overall negative reviews are pretty minimal, the ratings for claims satisfaction could be higher. That, and the lack of real information on the website, are the two areas AAA could make some improvements.

Overall, AAA is worth considering, especially for those who are already members of the club.

For a list of companies that we recommend, visit our Best Insurance Companies page.

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Review Information

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About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

24 Comments

  1. AAA took over a policy renewal that I had with Safeco and sent me a cheaper rate to get me to sign up but a whole page of fine print coverage was not offered for that price and I would have to pay to get that if I want it.

    I asked to add my husband to my home insurance policy and went ahead and paid for the auto policy and was going to pay for the home policy once it was updated.

    After multiple emails and calls, no one fixed the home policy that I was willing to pay more for but needed my husband on the policy.

    They never responded to my calls or emails but keep sending me reminders to pay for the policy.

    Neither policy was in effect with AAA yet as I was going to get them renewed before they expired with Safeco.

    After two weeks passed and nothing was updated by AAA, I decided to cancel the auto policy that I paid for so I can take both policies with the same company and get a bundled discount.
    I actually saved over $1000 by doing it with another company.

    Since I had paid for the auto policy in full, I called AAA to get a refund.

    The policy was not in effect yet and the person who processed the refund confirmed twice when I asked that it would be a full refund.

    I logged on that evening to see if it was processed and there is a $30 charge for a policy that never went into effect yet, that no one ever told me that there would be a cancellation fee for-just a nightmare.

    I called and asked why they didn’t refund me the full amount and they said that’s their policy.

    I asked to see a copy of the policy since nothing that I received showed that there would be a cancellation fee for a policy that didn’t go into effect.

    They told me the policy is only for employees and I cannot see it.

    I asked for the situation to be escalated and for a manager to call me back and they told me that the department does not call customers.

    I have never heard of such a thing in my life. They do not tell you about the cancellation fees, they confirmed I would get a full refund which was not true, and they said they do not call their customers back.

    What company does this? I will take this further because their calls are recorded and I have the phone call logs and emails that I sent numerous times without any response.

    I am very happy that I did not proceed with them because if this is happening before the policy goes into effect, I cannot imagine what would happen if I had an accident or needed them to fix something.

    Please DO NOT use this company!! They are scams and do very shady business!!! Everything has been a scam with them!!!

    Reply
  2. I had 9 policies with AAA for 10 years!

    Never had a claim.they raised my house premium 24%.

    So I called my agent to get answers,

    But she would not call me back.

    I then called corporate and they said that they don’t know why it went up!!

    AAA also raised my snowmobile Insu.by 60%.

    I then filed complaints with Insu.commission who wasn’t much help.

    AAA lied to them and said I didn’t pay in time.

    All premiums were paid 12 days early.

    Erik cant be trusted. There is no representation from AAA anymore.

    Stay away from AAA!!!

    Reply
  3. Frist claim: My roof had leaks in 3 places. Three AAA ‘independent” adjusters claimed there was no hail damage to the shingles. However, EVER piece of metal on my roof, including siding and guttering/downspouts was totaled by all three adjusters. No one would ever explain how I had three separate roof leaks but no hail or wind damage to the shingles. It took over a year to get my roof replaced and cost me an extra $2500 in expenses to fight these liars. I had three different roofers including the AAA preferred roofer look at the roof and all said there is no way the roof isn’t totaled.

    Second claim 9/1/2018: Kitchen faucet failed with a pinhole leak. The leak was discovered when the downstairs bedroom ceiling collapsed. Hand-scraped wood flooring buckled in the kitchen. Over 1000SF of connected wood flooring. The first adjuster tried to only replace the kitchen flooring. I argued with him before he left and he finally agreed it should all match and measured the space at just over 700SF. I custom built the home and still have the SF of wood flooring I paid for, so I know exactly how much is needed. This first adjuster offered $7000 TOTAL. I spent almost $7000 when I purchased the original wood floor. The second adjuster came to $12000 and the third adjuster is at $24,000. My independent adjuster is at $46,000. And again, I am having to pay people to fight this dishonest company. Instead of a $1500 deductible, I am going to spend more than $3000 to get what should have been paid immediately. Not only that but my family and I have lived with a partially demolished kitchen for months.

    Because they refuse to pay the claim I cannot switch insurance companies because no company will take you with an outstanding claim. AAA has increased my rate for the third time in 3 years. I am almost at double what my original insurance was. I guess they figure if they actually have to pay a claim they will rip you off by delaying the claim and forcing you to pay outrageous insurance rates for as long as possible.

    Reply
  4. Avoid at all cost!!!!

    Another AAA policyholder ran a red light causing myself and another driver to t-bone them. I’ve never had to deal with a company so unprofessional in my entire life. Its been over 2 weeks now, I still haven’t received a rental car or payment for my vehicle. They left me stranded 6 hours away from my house, I had to pay someone to take me home. o yeah… and when you call them, be prepared to wait about 16 minutes every time you call their total loss department. Whoever you need to talk to is never available unless you tell them you want to speak to their supervisor. Pray that you don’t get into an accident with one of their policyholders.

    Reply
  5. I was informed buy AAA that my premium would go up $120 a year for the cost of doing business. My policy expired on 2/6. Without resigning with them they deducted my premium. On 2/7 they sent a cancellation notice, received on 2/10. I have called several times, and received the same answer “it can take up to 14 days to receive a refund.” My question is if they can send a cancellation in 3 days why does it take 14 days to get MY MONEY!!!!! 2/17 STILL NO CHECK, AND NO MAIL UNTIL 2/20. HMMMMM!!! CURIOUSER & CURIOUSER!!!!! COULD IT BE THEY LIKE THE INTEREST ON MY MONEY!!!! JUST A THOUGHT.

    Reply
  6. On 9-5-17 I called AAA emergency road service around 5:00-5:30 pm to get help with my husband’s car broke down. To make a long story short we were waiting from 5 pm until 10 pm. AAA road side service never came to help me. One tow company told me I have to pay for $7.00 for each mile after the 1st 5 miles. Let’s go back to April 2017 talking with membership service I told her I need the middle membership because I live in Oroville ca and work out of walnut creek ca. So why would I purchase a basic membership when I now I live very far from home! I filed a complaint with AAA nobody never contact me back it been 16 days nothing! Let me mention this was my 1st day of work at my new job I had to call off too.. So I miss money for my household because of AAA I’m [redacted] OFF!! My sister had to come to my rescue buy the part I needed from auto zone and give us a jump so we can get to ours kids that was stuck at daycare!!

    Reply
  7. I will never use AAA Insurance again. I have been a AAA member for 20 years.
    I have serious concerns about the integrity of AAA Insurance as the experience below clearly distinguishes them as being totally unreasonable and unresponsive to seemingly legitimate claims compared to other companies such as State Farm

    We had our townhouse insured with AAA since 2015. With the recent California weather, some branches fell onto the roof and some of the wood shake shingles broke, and also showed some deterioration from moisture/weather. There was some water damage to the interior of the property. We filed a claim with AAA, who assigned an adjuster, and they also assigned a mitigation company to give an estimate of the mitigation. I emphasized to AAA and the mitigation team, there should be no work done unless we confirm its going to be covered under Insurance, otherwise I would use my own contractors. When I reached the site the mitigation work had already started, and the mitigation team said that AAA adjuster had approved payment for the work done so far. I informed them not to proceed further until I obtained written approval of coverage. Some days later, AAA adjuster informed me that they declined coverage to roof, and the interior repair, stating that the damage was caused by ‘wind driven rain’. They refused to cover this even though we showed them photos of the broken roof shingles taken by the roofing contractor.
    1. Integrity is a real question, since they first informed mitigation company that their work would be covered under Insurance, and then declined it, and refused to pay for the work authorized by them
    2. Even if denial of Insurance coverage of roof may be justifiable because of age of roof, the denial of the interior repair in face of obvious roof damage seems unfair given they had photos of the damage to the roof. It seems that they are interesting in collecting premiums but do not see customers interest when it comes to paying out claims
    3. The AAA agent who sold us the Insurance policy was familiar with the property and the area, and knew that we wanted full coverage, but advised the current policy after review of the master policy of the association. AAA Insurance now states that we purchased a policy that didn’t cover the roof or any roof leaks. I wonder why the agent failed to tell us this, knowing the roof of the townhouse is our responsibility. We would have gladly paid extra premium for peace of mind

    Reply
  8. The WORST insurance company ever! The staffs/supervisors are so unprofessional and rude! Good luck if you have an accident they don’t even care! Not worth my time to write more!
    I’m so glad I got rid of this unprofessional company!!

    Reply
  9. I have been a AAA member since 1995, and have had auto and home owner’s insurance through them for many years. I pay over $1,000 a year for homeowners and never claim. I had a leak under the kitchen sink that I did not know about, the pipe burst, I had it repaired, and AAA won’t pay the claim to have the damage repaired. The kicker is, I called the claim’s department and spoke to someone there, she checked my policy, and then put me on hold to make sure the damage would be covered. Whether she is authorized or not to say something is covered or not is not my problem. She told me it would be covered. The claim’s adjuster denied the claim. I am past livid. I have been in the insurance field (life and health) industry since 1981, and I have NEVER experienced a company like this one. If I told someone something, the company is going to stand by my decision – the customer is always right (unless committing outright fraud). I have expressed my dissatisfaction with the clam’s manager. My next step is to contact DIFS and maybe one of the local TV stations. People, read the reviews and beware. AAA will take your money, but they sure won’t help you out when you need it most. I have mold in my house due to the leak. I am a breast cancer survivor – radiation to my chest, so I am at risk for lung disorders. If this claim is not paid, I am going to shop around. So tied of the run around.

    Reply
    • I, too, have had water damage to my home. It has taken 6 months to remove the mold under my sink and for a month now I have been without a kitchen. It has been stripped to the studs and there is a draft blowing up from under the floor joists, and no word yet on the next step. I’m a chronic asthmatic and we also have 4 children living here. My inlaws have been with AAA for 50 years and we have been for 20. Been happy with auto services but this is our first home claim. It has been a nightmare. Is there a place to file a complaint in California?

      Reply
  10. I Purchased a Doublewide in Oct of 2014 moved in and did not have a claim till this summer, we got NAILED By Golf Ball Sized Hail, The INDEPENDANT Adjuster came out looked at the Damage to my Roof, Gutter’s Sliding Glass door, and Siding, Skylights and Windows, they Came back with sending me a $6,000.00 Check for PATCHING My Damages, I did not think that would fix everything that had HUGE Holes in, so I called a Contractor, he came out and looked at the damage to my home, He found that their was 2 Layer’s of Roofing on my home and that the roof is Severely damaged, my Sliding Glass door is leaking and there is water between the 2 panes of glass, Anyway so he looked at everything and went back to them with a $27,900.00 Estimate of Damage, this all happened in June of this year, NOW I got a Letter from them YESTERDAY Informing me they are now DROPPING Us as Client’s Due to My Home not being “Unacceptable Type of Home. Manufactured/Mobile. and NOW I have 6 Weeks to find another Insurance Co and we can not get the Adjuster that they hired to look at my home on the Phone, Soooo in 6 weeks i will be sitting here Spending $150,000.00 on a home that is now leaking from 2 Skylights a sliding Glass door and a spot in the Laundry room by my furnace room! And on top of it all NO ONE Will Insure us untill all repairs have been Made! I have NEVER Been So mad in my Whole life!!!!!

    Reply
  11. Where can I make a complaint to the State of Michigan regarding AAA homeowner insurance. I am getting know where with the agent and plus the Branch Manager. The rate was completed with Brick construction, now want to increase my dwelling based on Brick construction.

    Reply
      • I have been a AAA member 22 years and never had a claim and on July 8 2016. We had a bad hail storm and my home and was riddled with baseball size hail. I had just bought brand new jeep Cherokee 2016. So after the hail storm all panels moldings and windshield all with 300 marks and dents. I ask for new jeep replacement car they said no and been waiting on the repair for 5 weeks at voice in Kalkaska nothing has started for a month I waited for AAA or voice to call me and let me know what’s going on nothing no communications at all I mean not one peep so going on 6 weeks nothing for car or house this is a horrific terrible experience 23 years paying $3000.00 to $4000.00 a year and no claims I get no communications and really no help I paid and expected reasonable good service all I got was no and more no and can only say I gave them a month to take what I paid for this is the worst service communications I ever seen they actually do not care. Edmond Bennett disabled veteran

        Reply
  12. Trying to deal with AAA home owners is a nightmare filing a claim has been nerve racking and has been dragging on for weeks. There prices are ok but not worth all the grief when filing a claim.

    Reply
    • I agree with you. they were rude to me….belittle me and rejected my claim. without a full investigation. but they want your money. all liars and crooks.

      Reply
    • True, I know an employee of CSAA and they said the adjusters get a bonus to DENY your claims. Buyer beware of AAA.

      Reply
  13. Beware of this insurance company. The premiums are great but they really suck when you to file a claim. First you can’t even find the phone number to file the claim, then they would tell you that this and that (or like, everything) is not covered. Then after they reject everything for coverage, they will increase your premium for finding out that you might need to be covered anytime soon.

    Reply
  14. I was thinking about leaving Nationwide who covers my house now for over 10 yrs and progressive Ins who covers my cars since 2008. No claims on either. I got a price for both from AAA and there was a 900.00 difference to my favor. But I have been reading reviews and I think I better not change. How is it that they are that bad? here is the link I saw all of the bad things that happen to people just this year. http://www.consumeraffairs.com/insurance/aaa_homeowners.html

    Reply
  15. This insurance company is the worst. They are not paying a simple claim, which the insured admitted to, and so did the police report.

    They actually suggested I sue their client to get a simple claim resolved, which will cost them more money.

    I wouldn’t touch this company with ten foot pole…

    Reply
  16. This is the worse insurance company..I was involved in a no fault accident&still to this day my vehicle isn’t repaired..

    Reply
  17. The BBB may only have five complaints listed but I’ve seen quite a few complaints about this company in other sites. Mainly, they find ways of not paying out to customers and instead of paying out, they refund premiums paid and sometimes they won’t even do that.

    Reply
  18. What is the address to write to if I have a complaint about my AAA home owners insurance? I live in Livonia Michigan.

    Thanks,
    Steve

    Reply
    • Hi Steve,

      You can send mail to the Michigan AAA headquarters here:

      AAA Michigan
      1 Auto Club Drive
      Dearborn, MI 48126

      Best,
      Eric Stauffer

      Reply

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