Fire? Flood? Free-falling limbs? AAA comprehensive options can have you and your car covered
While all states require licensed drivers to carry some form of car insurance, not all policies protect against all hazards. AAA car insurance comprehensive coverage policies may be a smart addition for you and your family. Here are a few things you should know.
Step 1, join AAA
In order to take advantage of the excellent car insurance coverage programs available through AAA, you must become a AAA member. AAA has chapters in states and regions across the country and once you join, you also get access to many other AAA benefits.
For car insurance alone, you should know that AAA car insurance consistently earns superior ratings, in no small part because of:
- The comprehensive variety of coverage types available to drivers and members
- Options for flexible payments
- Personalized and prompt service
- Special discounts
- Around-the-clock claims hotline
- Complimentary AAA policy review
While each chapter may have specific costs and program options, AAA membership generally comes in three levels:
- Classic Membership
- Plus Membership
- Premier Membership
Classic Membership is the least expensive membership level and through it offers the most basic car insurance policy. Premier Membership is the most expensive membership level and policies through this level carry the highest levels of coverage.
For free auto insurance quotes with comprehensive coverage options, click here
Every AAA car insurance policy includes:
- Towing benefits
- Rental car benefits
- Hertz Gold membership
- Identity theft monitoring
- Vehicle locksmith services
- Referral to AAA-approved auto repair facilities
- DMV transactions
- AAA discounts
- Spare key card services
- Westways magazine subscription
- Maps and tour books
What comprehensive policies cover
Comprehensive coverage pays for the cost of repairs to your car when damage is caused by something other than a car accident. Some of the incidents and occurrences covered by your AAA car insurance comprehensive
coverage include:
- Car fires
- Flooded cars
- Broken or severely cracked windshields
- Car theft
- Vandalism
- Windstorm damage
- Hail damage
- Damage caused by hitting or being hit by an animal
- Lightning
- Falling limbs or trees
Other coverage options
AAA also has several additional coverage options that you can add to your policy in order to ensure you have the level of coverage you need and want, including:
- Collision coverage
- Bodily injury liability to cover medical expenses and attorney fees for injury claims due to a car accident
- Property damage liability to cover damage to someone else's property
- Medical payments coverage to cover the medical expenses of everyone in your vehicle at the time of the accident no matter who is at fault for the accident
- Uninsured/underinsured motorist coverage to cover medical expenses when an uninsured or underinsured driver is at fault
- Uninsured collision coverage to cover the cost of car repairs when your vehicle is damaged by an uninsured or underinsured driver
Even when you factor in your cost to join AAA, getting your car insurance coverage through the association could prove to be excellent coverage at a very affordable rate. Speaking with a local insurance professional is a good way to start comparing insurance coverage options and Reply! can connect you to insurance agents in your area who can answer all your questions about AAA car insurance.