AAA is one of the most well-known and respected car insurance companies in the United States. They offer a wide variety of car insurance options, from basic coverage to more extensive and customized plans. If you’re looking for car insurance, it’s important to understand the different types of coverage available and compare them to ensure you’re getting the best value for your money. This article will provide an overview of the different types of coverage offered by AAA and the benefits of each.
Liability Coverage
Liability coverage is the most basic type of car insurance offered by AAA. This type of coverage pays for damages that you cause to others, including property damage and medical expenses if you are at fault in an accident. Liability coverage is required by law in most states, and AAA offers several levels of liability coverage to meet your needs. The amount of coverage you choose will depend on the value of your car and the state’s minimum requirements. AAA also offers higher levels of liability coverage, such as bodily injury and property damage, for additional protection.
Comprehensive Coverage
Comprehensive coverage is optional and provides protection for damages caused by non-collision events, such as theft, fire, vandalism, or falling objects. It also covers any damage to your car caused by animals, floods, and other natural disasters. This type of coverage is usually more expensive than liability coverage but can provide additional peace of mind if you live in an area prone to natural disasters or other risks.
Collision Coverage
Collision coverage is also optional and pays for repairs to your car if you are involved in an accident with another vehicle or object. This type of coverage is typically more expensive than liability coverage, but it can be invaluable if you are involved in a serious accident. AAA offers several levels of collision coverage, so you can choose the coverage that best fits your needs and budget.
Uninsured/Underinsured Motorist Coverage
Uninsured/underinsured motorist coverage is optional and provides protection if you are in an accident with a driver who does not have insurance or does not have enough insurance to cover the full cost of damages. This type of coverage is often required in certain states, and it can help protect you financially if you are in an accident with an uninsured driver. AAA offers several levels of uninsured/underinsured motorist coverage.
Medical Payments Coverage
Medical payments coverage is optional and pays for medical expenses for you or any passengers in your car if you are in an accident. This type of coverage isn’t always required by law, but it can be a good idea if you live in an area with high medical costs. AAA offers several levels of medical payments coverage to meet your needs.
Rental Car Coverage
Rental car coverage is optional and pays for rental car expenses if your car is damaged or stolen. This type of coverage is often included in comprehensive or collision coverage, but it can also be purchased separately. AAA offers several levels of rental car coverage, so you can choose the coverage that best fits your needs.
Roadside Assistance
Roadside assistance is an optional coverage that pays for services such as towing, tire changes, jump-starts, and fuel delivery if your vehicle breaks down. This type of coverage is often included in comprehensive and collision coverage, but it can also be purchased separately. AAA offers several levels of roadside assistance coverage to ensure that you are covered if you need help on the road.
Discounts
AAA offers several discounts on car insurance, such as a multi-car discount, a good driver discount, a defensive driver discount, and a safe driver discount. It’s important to ask your insurance agent about all of the discounts that are available and make sure you are taking advantage of them. AAA also offers discounts for customers who pay their premiums in full or who have multiple policies with the company.
Conclusion
AAA offers a variety of car insurance options and discounts to meet your needs. It’s important to compare the different types of coverage offered and make sure you are getting the best value for your money. Be sure to ask your insurance agent about all of the discounts and coverage options available, and consider adding additional coverage such as rental car coverage and roadside assistance for added protection.