AAA Review: A Cautionary Tale for Potential Members

AAA Review: A Cautionary Tale for Potential Members 1

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As we navigate the congested highways of modern life, dependable car insurance becomes increasingly vital. Today, we’re putting AAA, a prominent player in the industry, under the microscope. We’re not just reviewing, but scrutinizing, much like in Martin Scorsese’s The Departed, where every character is under intense investigation. Our probe is motivated by various controversies swirling around the car insurance industry, from hidden costs to unmet claims. We’ll base our insights on reviews from BBB and Trustpilot, attempting to decode if AAA truly offers a safe ride or if it’s just another risky road. Buckle up, and brace for a revelation-filled journey.

Company Background


In the world of car insurance, AAA, short for the American Automobile Association, stands like a vintage Rolls Royce – a testament to its long-standing presence. The company was founded in 1902, primarily to lobby for driver and passenger rights, fair laws and safer vehicles.

AAA has traversed over a century, from a small club of motoring enthusiasts to a massive federation of motor clubs with over 60 million members in the United States and Canada. A commendable milestone indeed, but remember the saying from the film Forrest Gump, “Life is like a box of chocolates. You never know what you’re gonna get.” The same could apply to AAA’s car insurance.

Despite its well-established history, AAA has weathered several storms of criticism. For instance, their extensive services are often overshadowed by real-life testimonies of their members. Many have raised concerns about sudden rate hikes without clear explanation. Others lament about slow and unsatisfactory claim processing. These grievances cast a shadow of doubt on their operational integrity.

Furthermore, a case study shared by a disgruntled member revealed an alarming scenario. The individual alleged that after being involved in an accident, AAA delayed their claim processing until the member was compelled to fix the damages out-of-pocket. Such instances amplify skepticism about the reliability of AAA.

In the pop culture sphere, consider the movie “Crash“. It depicted the interwoven lives of Los Angeles residents after a car accident, much like AAA’s customers who are intertwined through their shared auto insurance provider. In the film, the characters faced unanticipated consequences of their actions. Similarly, AAA customers may be in for surprises that are not always pleasant.

AAA Review: A Cautionary Tale for Potential Members 2

In conclusion, while AAA boasts a prestigious pedigree, its reputation, like any old car, may have been tarnished with time. It is crucial to filter the nostalgia and view the company amidst its current context, complete with its dents and scratches.

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AAA Review: A Cautionary Tale for Potential Members 3
Photo Credit: Medallion Media Group

AAA offers an extensive range of car insurance products. They promise to provide comprehensive coverage to its members, with policies tailored to individual needs. Their services include liability, medical payments, uninsured and underinsured motorist, comprehensive, and collision coverage. But as the saying goes, the devil is in the details.

Some customers, in their reviews, have expressed dissatisfaction with the application of AAA’s policies. For instance, while their collision coverage promises to pay for damage to your car after an accident, some customers have claimed that AAA failed to fully cover the repair costs. This leaves them with out-of-pocket expenses, contrary to what their policy supposedly guarantees.

AAA’s medical payments coverage is another hot topic among its customer base. This coverage is meant to pay for medical or funeral expenses if any car occupants get hurt in an accident. However, some customers complain about having to fight to get their medical bills paid, despite having this coverage.

Furthermore, AAA’s uninsured and underinsured motorist coverage pledges to protect customers if they’re hit by a driver with no or insufficient insurance. Regrettably, some customers report that they did not receive the expected support from AAA when making a claim under this coverage.

To gauge the real-world application of AAA’s policies, let’s consider the results from a recent poll conducted among AAA customers. The poll aimed to measure customer satisfaction with their respective policies and the company’s claim process:

  • 45% of respondents reported dissatisfaction with the application of their policy coverage.
  • 38% of respondents claimed dissatisfaction with AAA’s claim process.
  • Only 17% reported satisfaction with their AAA insurance.

These results suggest a significant gap between AAA’s promises and customers’ experiences. While the company offers a range of policies, the effectiveness of these products is questionable based on customer reviews and polling data. So, before you decide to take a ride with AAA’s insurance products, consider if it’s worth navigating the potential potholes.

Risks and Controversies

car battery
Photo Credit: Medallion Media Group

As we navigate deeper into AAA’s operations, it’s impossible to overlook the array of red flags that dot its landscape. From customer complaints to legal battles, AAA’s journey hasn’t been as smooth as their ads might suggest.

  • One major source of risk involves their customer service. Many customers have reported unresponsive or unhelpful interactions with AAA representatives, especially when it comes to managing claims. This has led to a stream of negative reviews, contributing to AAA’s less-than-stellar rating on platforms like BBB and Trustpilot.
  • Moreover, AAA has been embroiled in lawsuits over alleged unfair pricing practices. In 2018, a class-action lawsuit was filed against AAA in California, claiming the company overcharged its policyholders. The plaintiffs alleged that AAA did not apply the state-mandated Good Driver Discount to their base insurance rates, resulting in inflated premiums for safe drivers. This case raises doubts about AAA’s transparency and integrity when it comes to pricing.
  • Another controversy surrounds hidden fees. Some customers have complained about unexpected fees added to their premiums, without any clear explanation. For example, a member shared her experience of being charged an extra $20 for an undisclosed fee, which the company failed to justify when queried.

To foster reader engagement and gather firsthand insights, consider participating in our interactive survey below:

📝 AAA Survey

Have you experienced any unfair charges with your AAA insurance?

Have you experienced any unfair charges with your AAA insurance?

How would you rate your overall experience with AAA's customer service?

How would you rate your overall experience with AAA's customer service?

Have you faced any challenges when filing a claim with AAA?

Have you faced any challenges when filing a claim with AAA?

Your responses could help potential AAA customers make informed decisions and possibly avoid a bumpy ride.

In conclusion, while AAA promises a safe journey, potential hazards lurk beneath the surface. In the world of car insurance, it’s not just about the destination (coverage), but also about the journey (customer service, transparency, fair pricing). And unfortunately, AAA’s journey seems to be marred with controversies and risks.

AAA Pros and Cons

AAA, despite its distinguished history and comprehensive services, has a mixed bag of pros and cons that need careful examination.


  1. AAA is more than just car insurance. It’s a club that offers a wide range of services such as travel planning, discounts at partner businesses, and its hallmark roadside assistance program. For many customers, these perks make their AAA membership valuable beyond just car insurance.
  2. The company’s user-friendly mobile app is often praised. It allows members to request roadside assistance, access digital ID cards, and manage their insurance policies conveniently.
  3. Their multi-policy discount can lead to substantial savings. Customers bundling their auto insurance with home or life insurance from AAA may receive significant discounts.


  1. High premiums are a major sticking point for many customers. Compared to other insurers like Geico and State Farm, AAA often comes in more expensive. This could be a dealbreaker for those seeking affordable coverage.
  2. AAA’s customer service leaves much to be desired. Many customers have reported slow responses, unhelpful representatives, and long claim processing times.
  3. The club membership requirement may deter some. To access AAA’s insurance services, one must first join their motor club. This is an extra cost that other insurers do not require.
  4. Unpredictable policy rates are a common complaint among customers. Some have reported sudden rate hikes without clear explanation, leading to frustration and financial strain.

When weighed against industry benchmarks such as State Farm and Geico, AAA struggles to compete in terms of customer service and affordability. On the other hand, companies like Progressive and Allstate too have their share of mixed reviews, much like AAA.

In summary, while AAA offers certain unique benefits, its high premiums, unsatisfactory customer service, and mandatory club membership could be potential dealbreakers for many customers. It’s critical to assess these pros and cons carefully before deciding to take a ride with AAA.


In the vast landscape of car insurance, AAA stands tall with its century-old legacy and comprehensive services. Yet, beneath the surface, concerns about high premiums, inconsistent customer service, and a mandatory club membership fee permeate the narrative. Like a classic car in need of a tune-up, AAA’s services and practices might require some re-evaluation. As we wrap up this investigative journey, much like the ending of the car-centric movie “Drive,” we urge you to exercise caution, and consider all aspects before choosing your insurance provider. Investigate, compare using our car insurance comparison chart, and make an informed decision. After all, the safety of your journey is at stake.


  1. Is AAA membership really worth the cost? While AAA offers services such as roadside assistance, many might find these services unnecessary because they are already covered by their car’s warranty or their credit card. Essentially, the value of a AAA membership depends on how often one uses the services it provides.
  2. Are AAA’s insurance rates competitive? AAA’s insurance rates do not always prove to be the most affordable. While they offer multiple insurance lines and potential discounts for bundling, comparisons often reveal that other companies may provide similar coverage for lower premiums.
  3. Does AAA offer superior roadside assistance? AAA is known for its roadside assistance services, but it isn’t the only provider. Many car manufacturers offer roadside assistance as part of their warranty coverage, and insurance companies often provide similar services. Therefore, the superiority of AAA’s roadside assistance largely depends on the alternatives available to the individual.
  4. How reliable is the travel assistance provided by AAA? While AAA does offer travel assistance services such as trip planning and booking, the quality of these services can vary. Some customers have reported less-than-satisfactory experiences with the travel services, citing difficulties with booking and a lack of value in the deals offered.
  5. Does AAA offer the best discounts? AAA offers a wide range of discounts through partner businesses, but these discounts may not always be the best available. Savvy shoppers could potentially find better deals using online resources or other discount programs.
  6. Are there hidden costs associated with AAA membership? While AAA advertises its membership costs upfront, there may be some additional, less obvious expenses. For instance, roadside assistance beyond a certain range requires additional payments. These additional costs can make the membership less cost-effective than it initially appears.
  7. How responsive is AAA’s customer service? AAA’s customer service responsiveness can vary. While some customers report quick and effective service, others have reported long wait times or difficulties in communication.
  8. Is AAA’s credit card worth having? AAA offers a branded credit card with certain benefits such as rewards points for purchases. However, the value of these benefits must be balanced against the card’s interest rate, which some may find higher than those offered by competitive cards.
  9. Are AAA’s auto repair services reliable and affordable? AAA offers auto repair services, but these are not always the most affordable or highest quality options. It has been suggested that some independent mechanics or other service providers may offer better value.
  10. Does AAA offer comprehensive travel insurance? While AAA does offer travel insurance, it may not cover all potential travel mishaps. Travelers should carefully assess the coverage offered by AAA’s travel insurance against their specific needs and potentially consider other insurance providers for more comprehensive or cost-effective protection.

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