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AAA Insurance Ratings

2.8 coverage
2.6 cost
2.1 service
1.8 claims
2.3 overall rating

Based on 103 reviews - 1 is lowest, 5 is highest

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0.0 overall rating
by Wayne

reimbursement for rental car

Our car was damaged in an accident 250 miles from home on Sept.4 2014. Filed a claim for rental car cost end of Sept 2014. Since January we made MULTIPLE calls to claims center in Lexington, Ky. and were given promises of a call back (none ever received) or the check is being cut (none received). VERY POOR customer service. This is almost April 2015 (Mar 27, 2015) and still nothing. It shouldn't take 6 months to send a check.
3.5 overall rating
by Anonymous

Auto /Home

I have AAA auto/home insurance now for 3 years,We have had wonderfull customer service- very knowledgable and professional. The rates are within our budget for our home/auto in FLorida. They answer all our questions and glad we switched from State Farm.
0.0 overall rating
by Anonymous

Awful Experience

Absolutely the worse insurance experience I've ever had. Tried to switch over both auto and homeowners. They had me place a down payment to start the policies. Then the problems started. Because I put a new roof on just after the hurricanes building permit requirements were suspended. AAA tells me that doesn't count and my rates just went up. I immediately found another company who understood and had better rates, no games. I notified AAA I would not be using their insurance. I then received an abusive call from their agent.
0.0 overall rating
by Anonymous

Claims Nightmare

We have been customers for 14 years and recently had our first claim. We had water damage from a leaking toilet while away that flooded our basement. The claims process has been a complete nightmare. AAA gave us a low ball settlement which will only pay for half of our repairs. Their detailed payout was ridiculous, for example they are allotting us $11.18 to have our entire bathroom regrouted. We have been getting the run- around from the adjuster and our agent has yet to return our phone calls. We thought we were paying for piece of mind, but it turns out, we will be paying for half of our repairs (after deductable) out of pocket.
3.8 overall rating
by Sherk

Pleasant and Fast

Tree branch dropped onto my car one night and I contacted claims to initiate the claim. Took the car immediately to body shop and was given a quote. The adjuster came out the next day and the quote was the same. Very happy to have Keystone AAA insurance.
0.0 overall rating
by Dolly Wright

Nightmare of an Experience

AAA should NOT be in the insurance business! I just had a nightmare of an experience with AAA Insurance Frisco office which has forever mared the image I had of AAA. I would not suggest anyone doing business with them for any reason. Not only are they expensive, their "agents" are inexperienced and offer you pie in the sky. They cancelled my policy prematurely, then began pulling the discounts they had given me leaving me with a very high premium and lack of coverage. I was lied to over and over again, and after I had signed my policy, I was told that they would not honor it forcing me to cancel my "policies" after 2 weeks with total disregard with the hurt they had caused in regard to Longevity discounts that were lost. They don't return calls, made promises that they did not follow through with and literally forced me to cancel. I now, I am having problems getting a refund on the yearly premium which was paid up front. I would urge anyone NOT to do business with them.
0.0 overall rating
by Anonymous

Cancelled But Still Being Charged

Still paying for a policy that is cancelled. Called about it, the rep said it was cancelled on the 5th and yes I do see were you account was charged again. Also you won't be getting all the money back due to a $25 charge since you cancelled your policy before the renewal date.
1.3 overall rating
by deb

Slow and Unfair

They are horrible at settling claims. The company wants to total my car and give me $8,000 less than the Blue Book value! I have already been without a car for a month! Nobody cares. I just want my car fixed!
0.0 overall rating
by Anonymous

Mess of a Total Loss Claims Department

A company rep called. I missed her call have been leaving her a message everyday for over a week. NO responses. I got her managers name and phone number, left him a message and also received no return call. It\'s been over a month since my car was totaled and still cant talk to anyone in AAA total loss claims dept. Very poor customer service!!
0.0 overall rating
by Jon

Good Luck With a Claim

Trying to get AAA's claim agents to move forward in the claims process is nearly impossible. I keep getting told that they can't get ahold of the bank our car loan is through. Yet when I call the bank, I have no trouble getting through, and they are very helpful. The only people I can never get shops of are the AAA claim agents. I will not go through this ordeal again. We are switching insurance companies even if it means higher premiums.
0.8 overall rating
by Anonymous

Rude Customer NON-Service

After being a customer for 10 years, my renters insurance went up. I also was told I had to pay for everyone else\'s claims. REALLY? After I asked more questions I was told by a rep, \" I know you don\'t understand how insurance works...\" You ask me questions. I answer. And we find a way to get to a number that is fair.
1.0 overall rating
by Anonymous

Awful Adjuster

I previously had a flawless and awesome claim on my car a few years back, however...The homeowners insurance has been a different story. The policy was misleading, the adjuster was immoral and rude, and the process is very slow. I had a theft claim, but I feel like the real thief is my adjuster and insurance company. They are non-communicative and rude. My paper work was just submitted so I\'ll be in a for a long process with them. Hoping my bad experience is at least decent by the end.
0.8 overall rating
by Alabama homeowner

Terrible Homeowners Insurance

It\'s been over 90 days STILL no compensation for damages. Geico handled their portion of this claim approx. 45 days ago. I wish there was a score lower than 1 star, AAA Homeowners would deserve it. The claims staff are not friendly, adjusters are not truthful, misleading and could care less about their insured (my experience with them anyway). Check around, you will get WAY better prices with other ins companies.
0.0 overall rating
by Anonymous

Poor Customer Service

I filed a claim for hail damage to my roof. After 5 months of trying to get the claims agent to call me back or email me I finally got the partial check to start work on the roof. After the work was completed I was short $4,000. I paid out-of-pocket $3,000 + to cover the shortage on the bill that Triple A did not cover after my deductible and depreciation. Very frustrated with the customer service and the amount they said they would cover on replacing the roof. I guess you get what you pay for. I won\'t even start to explain my issue with the automobile insurance policy. Customer service is terrible, slow claim process, and the amount paid on claims is terrible. Overall bad experience with this company. Would not recommend to anyone.
0.8 overall rating
by Julie

Misrepresented Cost

When I talked to a AAA agent and gave him all of my information about my house, he came back with a quote of $657/year. he then sent me papers to sign stating that the amount of my payments was to be $657. I signed them and sent them back. AAA took $657 out of my account. I was told that I would receive my policy information within 10 days. After I got the paperwork, I saw that they wanted me to pay $979/year because they had upped my policy from covering $157,000 to covering $274,035. There was an additional $27,403 of coverage for structures which are not on my property. I called my so called agent who told me that he would look into it and call me back. I was angry because I felt that he had misrepresented what I would be charged. He was rude, condescending, and told me to let him know when I found other insurance so he could cancel my policy.
1.3 overall rating
by Arthur

Never Informed Of Cancallation

After damage was done to our home by a snowstorm, I called AAA to file a claim. In all of the years that we have been with AAA, we had never filed a claim. The rep told me that our insurance had been cancelled due to non-payment... yet we had never received a statement or cancellation notice from them. We have gone down to Florida for a few months every winter. We always filed a change of address with the post office. When we would return from Florida, a change of address was filed with the post office down there which was the office of the campground we stayed in. Our mail was always forwarded to us in Michigan. They claim we never changed our address back to Michigan which is not true and that is why we never received their correspondence. I can see not receiving one notice, but two is very improbable.
2.3 overall rating
by Anonymous

Great Service And Attention To Detail

I wanted to pass along how happy I am with my experience with AAA roadside and AAA Insurance. The roadside service has never let me down. All A's in my book. For the insurance aspect, I have all positive comments to say. Even though it was a little higher than my current insurance, I would have no problem moving my insurance to AAA so that I get all the discounts that are available.
1.3 overall rating
by Arthur

No Help

I had renewed my insurance in November. I was so happy at the time because, I was going to save money. I was there and did sign a release and wavier. I put a down payment down then. I received a letter in the mail stating that the vin # was wrong. I called my agent and he said that he would look into it. Days went by and just before Christmas, I received a letter from the state! My licence was suspended. I then tried calling my agent for a week or more and got no answer.
1.3 overall rating
by Ron

Cancelled On For Not Making Repairs

I recently received a cancellation notice. The reason for the cancellation that they gave was "failure to provide proof of repairs of prior claim from previous insurance carrier". I was in an accident that occurred last year and haven't finished making all of the repairs. My question is... Can they legally do that??
0.8 overall rating
by Chris

Paying For Other People's Claims

I have been with AAA for over 10 years. I never submitting a claim and paid on time. I was a model customer by their standards. Every year I would get a policy renewal sent to me with what that years policy will cost. I opened this year's and the policy was raised by over $600!! For my home and 2 cars it was $1,992. Now they want $2,619? I called and talked to a AAA rep. She told me that due to claims made and medical costs being paid out to other AAA members, rates are going up for the year and all AAA members have to take a hit. What kind of crap is that? I have to pay for someone else's claims?
1.0 overall rating
by Anonymous

Will Not Pay For Damage

My house was damaged by a storm and it has been so difficult to get my claim completed. They sent their inspector for the estimate and approved it, but are still refusing to pay the claim. When I questioned the adjuster she suggested I was lying. I am changing my insurance as soon as I can settle this. Go with a better a better company.
1.0 overall rating
by Dale

Poor Customer Service

They will not return calls and do not want to pay for the damage that has been done to our home during the recent hail storm.
1.0 overall rating
by K. Mathews

Disappointing Home Owners Insurance

They have not been the company I thought from the beginning of my claim to current date. I have yet to settle as I do not agree with the way they have did this claim. I had a heating and air out to check my system good to go. Within 2 to 3 weeks we had some terrible storms and my system got hit by a lighten strick. They sent a general contractor out to look at my system. Telling me they do not know any heating and air companies in the area. Come on now... What century are we in?
2.5 overall rating
by Jared

Good Company

I have been with the AAA for a few years now and have been happy so far. I like them because they're brokers and if my rate goes up with one company they will help me find a new one. I've always had good experience with their agents and they've always seemed to genuinely care and want to help me. I had a small claim a year ago and they handled everything quickly and I didn't have to do much of anything which is nice. I know their might be someone cheaper, but I don't mind paying an extra $100 a year for good service.
1.3 overall rating
by M. Dunn

Difficulties With Lifetime Benefits

In 1982 I was in a very serious motorcycle accident that involved head trauma along with totally crushing of my left ankle, foot, and heel breaking my right leg along with my right arm and crushing my left wrist. I have over the years experienced pain that not many people can imagine. AAA of Michigan has for at least 25 of 30 years deceive my family and I of benefits and coverage that I was entitled. For many years AAA has told me that my benefits were coordinated and turned down any and all attempts of mine to seek medical treatment of any kind. About 6.5 years ago my condition started to really get bad and a short time after that my wife and I lost our medical insurance so once more I tried to use the medical benefits from the motorcycle accident. At this time AAA said I wasn't covered and told me to call a numbed in California. This a bit odd as I am in Michigan, so this took a few weeks then they called and said that my claim file had been destroyed, but some notes did still exist and to call a new number in Michigan now almost 3 years later still having to battle for every last medical payment mileage and expense reimbursement so AAA can delay as many payouts as possible. So if this is AAA's life time benefit, it must mean you are going to spend the rest of your life trying to use these benefits. This company has committed serious violations of law as well as acting with fault free conduct. Addressing all issues that arise as someone else being at fault or lying about what is or has taken place. I have spent the last few years trying to resolve this matter and have made some ground but they continue to try intimidating, harassing and acting in bad faith.
1.3 overall rating
by Anonymous

Accounting Errors

I've been a customer with AAA/Keystone Insurance Company for over 20 years. Have always been a loyal customer with paying my premium on time. This past year, we received a bill for our homeowners premium saying that our premium was not paid for 2011. Long story short, someone else paid their premium and it was applied to ours, making it seem like our bill was paid in full for the year. The company screwed up and now we are paying for it, literally. I also had an accident recently where someone pulled out in front of me and hit my car. My car sat at the repair shop for 1 week before an adjuster even came out to do an estimate on it!
1.3 overall rating
by Anonymous

Cancelled But still Paying

The reps that I've spoken to always ask me a lot of questions about my policy and what has happened, but all I know is that they keep charging my bank account after I sent in my cancellation notice.
1.3 overall rating
by Anonymous

Billing Confusion

When my son's care broke down, I gave him one of ours to drive for a while. I called in and requested that his car and he be removed from AAA and explained that I had to move him. They didn't cancel him like I asked, but put him on another car which jumped my premium by $800. I called in several times, every time they said they needed something different, first copy of new insurance, then it was I had to put it in writing. Now they are trying to bill me for all this time that I have already been paying on the new insurance.
1.3 overall rating
by Anonymous

Customer Service = Excuses

I got with AAA a few years ago because my whole family wanted AAA Roadside Assistance and that made insurance a pretty good deal. Renewing after my first year was like pulling teeth and took me over two hours on the phone trying to get the lady to just let me pay for another year! Why did I have to beg to pay them? I have a PERFECT driving record, an older economy model car...I'm a low risk customer. This year, I am putting my car in storage and need to reduce to the very basic liability coverage. First I call AAA, and the rep tells me that I am NOT legally required to have liability and therefore don't have to have insurance. He set up a cancellation for my policy. This seemed off, so after researching and calling the DMV, turns out I do need insurance! So I have to call AAA back, they "can't tell me how much my insurance will be the next year because they have to reinstate my account, but will call me the next day with a quote". No surprise, no call the next day, and when I call I am told they can't give me a quote. Just can't. "No one in this building could give you a quote..." is the line I got.
3.5 overall rating
by Anonymous

Great Claims Service

I received great service from the OKC claims center. They explained the process, set expectations, did the investigation, and paid my claim in a very reasonable time frame. They contacted me more than was needed to make sure everything was going as indicated and advised me I could file medical claim for my minor pains.
0.8 overall rating
by L. Braswell

Paid For Non-Coverage

I switched to AAA and I may need to take it to court to get the coverage I paid for. I still have a tree on my structure with an bid of $1,800. and they will pay up to $500 to have it removed. I don't remember any of those terms when I paid my annual premium.
0.8 overall rating
by Anonymous

No Coverage For Medical Bills

My wife was rear-ended. They fixed the truck. She lost her job due to injuries. She cant use her hands half the time, looses all feeling, and arm mobility. AAA has yet to cover any of her medical bills!!
1.3 overall rating
by Anonymous

Very High Prices

I've been with AAA for quite some time. I never really looked at them from an auto or home insurance standpoint, so thought I would give them a try to see if their rates were competitive with what I already have. I couldn't believe their terrible quote. I've had no accidents, don't have any high performance vehicles, am 50, took highest deducts, and my quote was double from my current insurance. Really? I was up for renewal with AAA on my membership and after having received that quote I decided not to.
1.3 overall rating
by Anonymous

Slow Claim Processing

They didn't update my phone number in the system even after I renewed my membership. An accident just happened seven days after my renewal. I called and they said the insurance is a different part from the membership. I got the claim 7 days after the accident date through plain mail and had already lost my best time to collect something or find witness to support myself.
0.8 overall rating
by Anonymous

Double Check Your Policy

If you have a AAA policy, make absolutely sure your policy coverage is what you wanted. Many times you will not have collision or something else you thought you had. You get your policy in the mail and file it away. I always check to make sure it is the coverage I bought on the actual policy when it arrives in the mail. They do this so when you have an accident you aren't covered and they don't pay. Usually it will be collision. You can argue all you want they will simply state you should have checked your policy when it came in the mail and called to have this amended.
1.0 overall rating
by Monroe

Absolutely Incompetent

This company is beyond incompetent - ZERO ACCIDENTS, ZERO CLAIMS and go to pay my auto bill online and it says "not eligible for renewal". So now the agent is "looking into it". Constantly receiving amendments because they get my account mixed up with someone else's, because they can't even input simple data correct.
1.8 overall rating
by Anonymous

Good Rates, Terrible Service

AAA/Keystone has always provided me with good rate compared to the other insurance companies that I got quotes from. Unfortunately, my wife had an accident with her car and they have been a nightmare to deal with. Everyone is very friendly, but they don't do anything. Its just one run around after another. Hold times are long and nobody seems to want to take care of our questions. They give us another number to dial. I guess you get what you pay for.
1.3 overall rating
by Anonymous

Slow Claim Processing

I have AAA and so does the girl that hit me. It was her fault. I cannot get the adjuster for either of us to give me a call and can never get a hold of either one of them. This is the worst claim I have ever been through. They are rude and incompetent.
3.5 overall rating
by Amy

Great Experience

We had a large claim in 2008 - a house fire that left us out of our home for 6 months. We had nothing, but great experiences. Our adjuster was very respectable and didn't treat us like we were trying to be fraudulent.
3.8 overall rating
by M. Johnson

Excellent Customer Service

AAA will always be my insurance carrier. After my vehicle was involved in an accident, I immediately reported it. AAA put me in a rental car the same day. The rental company came to my house to pick me up. About 30 minutes after opening the claim, I received a call from the adjuster and was asked where I would like to have my vehicle repaired. I didn't have an answer for him right away, but provided the answer next day. Again, within a half hour, I received a call from the repair company and was informed that they would pick up my vehicle the following day at no cost since it was not drive-able. The repair company provided AAA and me with the cost to repair the vehicle. The repairs were approved and completed quickly and my car was returned to me in perfect condition.
1.0 overall rating
by Anonymous

Incompetent

My first claim for an accident at home is a nightmare. The adjuster came and saw the damage, took the measurements, and disappeared. he did not even offer me options. Their response was you will get a check in the mail. That check is yet to come. I made the repairs myself, called customer service, claim service, adjuster, adjuster supervisor... nothing.
1.0 overall rating
by Grant

Low-Ball Offers

My wife and I have been held vehicle and homeowners insurance with AAA for approximately 3-4 years. Recently we filed our first and only claim. It stems from an accident that Jennifer was involved in and was deemed to be not at fault. I spoke with the total loss specialist assigned to this claim and never received any indication that AAA would be willing to listen to the complaints that I had about the lack of a reasonable offer for our vehicle. My conclusion was that it would cost in the vicinity of $11,500 to replace our vehicle with one of similar mileage, options, engine, condition, etc. I was informed that we were being offered a settlement in the amount of $9,600 (minus our deductible and salvage value until the entire claim was settled between AAA and Geico). I recieved a letter that declares a final settlement value of $9,754.02, minus the deductible. I truly believe that AAA was attempting to make a profit from the accident my wife was in.
0.8 overall rating
by Kari

Worst Customer Service

When I first got AAA insurance I was so excited because it seemed like they had great rates. Then my insurance seemed to rise out of control. I have never received a speeding ticket or been in an accident. They messed up many times by not having the correct address and having my boyfriend on as a primary driver of my car; they did not refund all of my money for their mistake. This is when he had his own insurance and own car. I had the hardest time getting the same person on the phone twice and overall spend hours on the phone trying to correct their mistakes.
1.3 overall rating
by Anonymous

Incompetent Total Loss Department

I totaled a car at the beginning of June. My medical claims adjuster has been fantastic. She even filed my claim for the damage to the car. AAA total loss department called me a month later. I missed the call, tried to call the woman back, and received her voice mail. After leaving two messages and then calling a few times, she answered and rudely told me to stop calling. I was her next call. When she did call me, it only took 15 minutes for her to explain the whole process to me: sign the title (she stressed that all I needed to do was sign it, specifically saying not to write anything else on it), mail it, and they would get the car and issue a check upon receiving the title. A week later someone else calls to say the mileage wasn't on the title, I have to fill out corrective paperwork. The woman assures me my check was already mailed out. The mileage thing is a new policy they found out about on Tuesday. After waiting and receiving nothing, I had a bad feeling and called to find out the exact day the check was mailed. It turns out, the check was never issued! This was because of the mileage. When I tried to explain what I had been told previously the woman interrupts me, says, "I can't help you, I'll transfer you to a claims adjuster." The claims adjuster interrupts me and says that without the mileage she can't issue a check. She gives me the number of the manager. I called the manager, left a message because he didn't answer the phone, and he never called me back. It has been over a month. I gave them the title, they already have the car. I did everything the adjuster initially asked. By the time I receive the correction papers, send them back, and they mail me a check I will have been back to work. Except I don't have a car to drive there!
1.0 overall rating
by Anonymous

Do Not Buy Flood Insurance

Do not buy flood insurance from AAA. My agent was not familiar with National Flood Insurance procedures. He provided me erroneous information. I canceled my policy the same day and have been trying to get my $870 refund. It has almost been a full year.
1.3 overall rating
by Anonymous

Horrible Customer Service

I called roadside service for the 1st time since becoming a member. I called at 2:30pm and was advised someone will arrive to unlock my vehicle by 4:05pm. I called back at 4:15 to check status and was advised someone will get back to me within 15 min. No call back. 45 min later, I called again and was told someone will get back to me. 1 hour later I try calling again. I kept calling till 7pm and could not get through to any number.
1.0 overall rating
by Shan

Jacked My Costs

I moved my auto and renters policy to AAA as their premium quote was $100 less than my exiting premium and after two months they suddenly increased my premium by $250 without any reason. As per the letter they reviewed my insurance history and they are increasing my premium. There was no change in my driving history. I never had any accident or violation.
1.0 overall rating
by Anonymous

Rate increase

We insured both cars and our home with them. A month later, they started claiming that they had "rated" our home incorrectly, and they were billing us for several hundred dollars. They said they "had" to raise our coverage. Then they refused to issue a refund when we canceled after 6 months. We had paid the entire year of insurance in advance.
1.8 overall rating
by Alex

Poor Customer Service

I have a truck which was towed by one of their listed vendors. A part broke off my truck while it was being towed. I put in a claim, but it was all for nothing because they said that I could not prove it and so they can't pay me any money for the damages. I had a witness who saw how they handled the tow and a mechanic that has parts to prove there was no way it could break unless forced. My car bill was $2,800+ and what they broke was only a little over $500 but they still chose not to protect me as a client.
3.8 overall rating
by Ronald S.

Satisifed with Claim

We switched to AAA in 2007 and had a claim in 2008. AAA was quick, efficient, and did not leave us on hold. Within a week, we were told a portion would be covered and a check was issued. We were reimbursed for the full amount through another source assuming the responsibility for the unfortunate situation, and we were able to reimburse AAA for the money we had received. We wanted to say how impressed we were with the handling of this claim, the caring attitude of its representatives, the quick response and action. We know we made the right move when we switched to AAA.
0.8 overall rating
by Anonymous

Provider's POV

I am a massage licensed massage therapist in Hawaii, a no fault state. I have a client who was in an auto accident, clearly not her fault and injured. The client was receiving massages for her injuries from me and I was being paid. Then with no warning AAA stopped paying, will not answer their phones, no contact and finally sends a letter denying me payment for my services rendered claiming the client is not getting better based on a review by their own hired doctor. AAA's doctor has never seen my client. I am being forced to spend a lot of time and trouble trying to get my money for my services rendered on a client who needs help in recovering from injuries.
0.8 overall rating
by Anonymous

Not Willing to Pay

I was hit from behind by an impaired driver while walking. MI has no fault insurance, so the claim came from MY CAR insurance! AAA was very concerned at first, but now they are trying to deny payments for my injuries. I had a ruptured disc in my back prior to the accident and now It's so much worse, but they don't think they should pay. On top of that... I had coverage on 3 vehicles. When I sold one, they doubled the premiums on my existing 2 vehicles!
1.5 overall rating
by Sally

Tired!

AAA kept giving me the runaround especially since the driver at fault had their insurance.
2.8 overall rating
by Bob

Cheapest!

I have used them for over 5 years and originally thought I was overpaying for my insurance a tiny bit. I compared we AllState and StateFarm. AAA was still the cheapest!
2.5 overall rating
by Frank

Love Roadside!

AAA roadside assistance is the best! Definitely worth the <$100 annual fee.
3.5 overall rating
by Herman Caldwell

Great Claims Handling

I don't exactly have a great record and have filed a couple of claims for accidents. (I do drive a Mustang). But I'm sure accidents DO happen to everyone. I had one accident while covered by AAA. When I received my renewal bill, I did not see a monthly increase- not $75 - not $50. The payment increase caused by my accident (not really my fault) was a whopping $5.53 a month. I thought it was a mistake and when I called my agent, he explained that AAA "understands" that accidents happen. Nice, huh? that is great car insurance.
1.3 overall rating
by Anonymous

Slow Claim Processing

I filed one claim and it has been difficult for the last six weeks dealing with it. They denied obvious problems and are absolutely terrible in dealing with anything in a timely manner.
0.8 overall rating
by Anonymous

Will Not Pay for Accident

Their insured caused an accident. Now their claims department is being unprofessional and unhelpful.
3.5 overall rating
by Anonymous

Very few complaints

I've been a customer of AAA Insurance for many years. Over that time I've had several claims, bought new cars, sold old cars, accidentally let my insurance lapse due to late payment, and needed other routine things. AAA has been a good company through it all. My last accident involved no other driver and there was no accident report, so it was up to me to decide how I wanted to handle it.
3.3 overall rating
by Jacob

There when you need them

Since my folks are extremely protective, they got me a membership with AAA Insurance. With fast and responsive roadside assistance, I wasn't stranded when my car had problems. I was really grateful when I found myself in a bind after my engine cut out and I had no one else to call. I called on AAA Insurance and they came right away. I was amazed by AAA's rapid response to my situation, and relieved that they saved me a considerable walking distance!
3.0 overall rating
by Michael M.

The Best!

I have AAA for general car insurance coverage and I get the perks of AAA roadside assistance. I have never had to rely on the roadside assistance before, but it felt good to have the assurances in place. Anyway, to make a long story short, I was on my way to work, when I got a flat tire! Panicking and not wanting to look bad the first day on the job, I was worried sick that I was going to be late for my new position. Thankfully, I left a bit earlier than usually, called on AAA Insurance and they were there in no time flat! I got help changing my tire and I was on my way to the job - and, yes, I made it in time.
2.8 overall rating
by J. Teaff

Delivers Security

I have no regrets whatsoever for choosing AAA Insurance and now that my 18 year old daughter is looking for an insurance carrier, I have turned her to AAA. I know that the rates are reasonable and that AAA insurance puts extra effort into everything they deliver to customers. It makes me feel a little bit better knowing that if she is ever in trouble out on the road, that she will not be stranded or stuck if she can't get a hold of me or her dad, that she can depend on a insurance company that cares.
1.0 overall rating
by Claire

Far Too Expensive

I have been a AAA member for over 25 years. When they went into the insurance agency business, I had them quote my renters and auto policies and gave them my business. The policies were written through Travelers. The policies would renew each year and each year I would pay the premiums. After a 13% increase in my renters policy this year, I called Travelers to ask if anything could be done and was told "no". Frustrated, I had the agent we use at my work quote my policies, assuming he would find a slightly lower rate at another insurance company. He came back with quotes from TRAVELERS at 15% lower on auto and 68% lower on renters. You are probably thinking that there are some extenuating circumstances - there are not. There have been no changes in the declarations/coverage limits etc.
1.5 overall rating
by Anonymous

Billing Confusion

Today I went to the insurance office to pay my monthly bill and I was told I am not covered any more. I have always paid early. I have had no accidents, tickets, or claims. The last 4 months I received a notice saying my bill isn't paid and they are canceling me, I would call the insurance company and they said and I am covered.
0.8 overall rating
by Anonymous

Incompetent Adjusters

AAA's insured hit my car at fault. Incompetent adjusters will not reimburse my car rental fees. Adjuster is accusing me of renting the rental car longer for my own personal reason. The adjuster wants me to provide the shop information. All of that information is already on the estimate. How competent are they?
1.5 overall rating
by Tom A.

Lost Wages Not Covered

I was injured when I was rear-ended by an uninsured driver. After recovering fully from my injury, I put in a claim to cover my medical bills and my lost wages. After closing my case with AAA, they stalled in making a decision for more than 5 months. Finally, AAA made me an offer that doesn't cover my medical bills, let alone my lost wages. If I accept their offer, I'm out almost $5,000 for something I was not responsible for. Now they are asking for a bunch of documentation, even items that don't pertain to the case; i.e. my personnel file including my performance evaluations.
3.5 overall rating
by Anonymous

I think AAA is excellent

I have had great experiences with AAA. I have had accidents, totaled cars, added my kids, drivers, been through a divorce, experienced the roadside assistance many times, and had insurance on my home and auto through AAA. I have had nothing, but great experiences. Now, my first claim when I was in my early 20's wasn't resolved in 2-3 days as I had initially expected, but I had to learn that the insurance company needs the police report, damage estimates... Time to do their thing. However, overall, my expectations have always been very high, and they have always lived up to them.
2.0 overall rating
by D. Cohen

Watch Out When Moving

I have had AAA Insurance for about three years and my rates remained fair and steady while I was with the company for the first two and a half years. Just about six months ago I moved out of the country and into the city simply because I believed that it would be more convenient for my lifestyle if I were to live in the city. I like being very close to everything including my job and my family. At first I believed that this would lower my insurance costs because now instead of being 14 miles from work I was only 7 miles from work. My driving distance to from work was literally cut in half but much to my surprise my insurance premiums were not cut, they were actually raised! When I called AAA Insurance to find out why my insurance increased they told me that I lived in a high risk area and that my car was among many cars that are frequently stolen by would-be thieves and that's why my insurance increased. Basically I was told there was nothing I could do to rectify the situation and that even if I had put in anti-theft deterrents, my insurance rates were still to be considerably higher than they were before I moved. I felt like I was being punished simply because I made a convenient life choice.
1.0 overall rating
by Mike G.

Expensive

The rate was just OK. The coverage was average. However, since I was NOT paying my annual insurance premium in full, AAA tried charging me a $23.99 a month service fee. That adds up to $287.88 per year. So the bottom line, there was no savings through AAA at all. Then when I told the AAA rep that I was canceling my policy, she threatened me with a $400.00 charge.
3.8 overall rating
by T. Vega

All I Need

I love AAA Insurance! I have life insurance through the company, and since I run my own business I also have my business liability insurance through the company is well. My cars are insured by AAA Insurance too. I've been with the company for two years and I'm sticking with them. I appreciate the convenience of being able to work with one insurance provider for every single insurance need I have. AAA Insurance's prices are excellent, there are people are excellent, and their service is beyond excellent. I wouldn't waste a minute even thinking about other insurance companies.
3.3 overall rating
by P. Conway

Peace of Mind

My entire family relies on AAA Insurance for everything. My mom and dad have life insurance through AAA Insurance, and now or I'm at the age where I should really be considering such coverage, and I am going to go through AAA Insurance to get it. I have kids, and the last thing I want my kids to worry about when I'm gone is having to struggle with an insurance company in order to receive payment on my life insurance. I feel confident that that will not happen if I work with AAA Insurance; my family has had dealings with AAA Insurance at one point another for whatever reason and they have never encountered any difficulties whatsoever. When it comes to insurance I plan on sticking with the tried and trusted and I will use AAA Insurance to take care of all my coverage necessities.
1.3 overall rating
by Anonymous

Poor Claims Process Practices

We have only filed one claim with the company since joining. That claim was for the loss of food when we were left without power for over 14 days in 2007. I received a check in the amount of $250.00. After that we were hit by a tornado. My home, outside shed, and both automobiles were damaged. I called to report the damage and it was over a week later before anyone came to our home to assess the damage. I have been trying to get my Honda Civic repaired from the damage, but after part of the work has been done at a Honda dealership, AAA says they won't pay. I have a $500 deductible. The damage to my car is approximately $1,100. After my deductible is paid, AAA would owe approximately $600. I was call by the dealership today and was told that my insurance is refusing to pay for the remaining repairs, because they do not believe that a trampoline flew through the air and wrapped around my car and damaged it. They said that it was damaged before the tornado. When I tried to send them photos of the trampoline wrapped around the back of my car they told me they did not need to see the photos as anyone could stage a photo.
0.8 overall rating
by Anonymous

Rates Changed

They took my money first, before they issued my insurance, and then changed the quote after I signed contract.
1.3 overall rating
by Anonymous

No Explainations

We were in Costa Rica when the house we rented was broken into and all our belongings were stolen. I called and left voice message with an AAA agent. He sent me email telling me that he wasn't permitted to call outside the U.S. When we finally got an adjuster assigned, she said she would resolve our claim and then left for a month vacation without telling us! Since then we have been trying to get an explanation of how their proposed settlement was arrived at, but they still have not sent us documentation a month later.
2.3 overall rating
by Anonymous

Rate increase

I got into a fender bender where I was found at fault. The other driver claimed minor injuries such as whiplash. I did expect to have my rates raised during my renewal....perhaps something in the range of 25% or so. What did they do? They doubled my 9 month premium, which more than doubled my payment. AAA insurance wanted $297 a month after my first min monthly payment. The average monthly payment I was making before was $176 a month. They charge interest on the unpaid balances, too.
1.5 overall rating
by Anonymous

Not the Insurance I Thought I Had

I thought I had good insurance and good coverage. Recently my RV was stolen and that's when I learned the hard way that AAA doesn't do what they say they will. The policy I have isn't what I thought I had and they aren't going to fix my RV correctly. Instead I will be talking an $8,000 loss. I am very disappointed with them and I will never use them again.
2.3 overall rating
by Anonymous

Useless Customer Service Reps

I had both auto & renters insurance with AAA (California). I do a simple address change and all hell breaks lose. They cancel my renters policy and don't bother to tell me. Leaving me without any coverage. When it came time to renew my auto insurance, they raised the price. No claims, no tickets, no nothing, yet my premiums go up. When I call them back, the reps have no idea what is going on.
1.0 overall rating
by Anonymous

Will Not Pay Your Claim

If you make a claim, even a legitimate one, they tend to drag out the claim until you wear out. They are very good at making excuses and place the blame on every thing else.
0.8 overall rating
by Anonymous

Denies Liabity

I was attacked by a dog while delivering a flyer to a home covered by AAA homeowner's insurance. I had to get 21 stitches in my leg. I have medical bills, lost wages, pain, and not to mention a nasty scar. After speaking with the representative who was handling the claim, I was told that since I was not invited onto the property by the owner, that their stand was that they are not liable. This is totally outrageous that they could take this stand. Basically they are saying that no matter whether it is the mailman, UPS, FedEx, a child trying to retrieve a ball, or someone delivering flyers door to door like myself, that they will not be liable if their clients dog bites someone that is not invited onto the property by the homeowner. I contacted my homeowner's insurance which is State Farm, to ask if this would be covered if I had a dog that attacked someone that was not invited onto my property. I was told that the claim would be sent to the legal dept and there would be an investigation. My insurance agent was baffled that AAA would be taking this stand and said this is not a common practice on how a claim like this would be handled.
1.3 overall rating
by D. Scipper

not routine service

My daughter's VW Passat had been sitting in my drive for three days. When she went to start her car, it would not start. She came in the house and told me she thought her battery was dead. We went back out and tried to start the car again at which time I noticed smoke coming from under the hood. I had the car towed to a garage where they replaced the battery, but it still would not start. Upon further diagnostic testing the mechanic found the ECM fuse blown and the fuse to the radio blown. AAA denied any liability because they stated it was routine maintenance. I understand a dead battery needs replacing at my experience, but I have never known a low or dead battery to blow fuses simply by trying to start the car. If this is the case then all cars should not try to start with low batteries. I have been involved with mechanic work for most of my life and have never experienced major fuses shorting out or smoke coming from under the hood of a car because of a low or dead battery.
1.3 overall rating
by Anonymous

Cancelled On

We never made a claim, yet we were deemed a "high risk to liability." The staff is now amateur and unhelpful.
1.3 overall rating
by N. Gilmore

Driver hadn't paid for his policy

I was involved in an accident where the AAA policy holder was completely at fault. It stated that on the police report and on the ticket given to that policy holder. I called in a claim the next day to AAA. Two days later I called AAA to check on the status and they said that the claim was denied as the auto accident happened on October 7th and his policy premium was due on October 5th. They had not received it yet, so they where canceling his insurance.
3.5 overall rating
by Anonymous

Provided Great Claims Service

We were hit by an uninsured driver. Our claims adjuster called back quickly. We had a check within a week. AAA is convenient to contact because they are open until 6:00 pm during the week and we can see an agent on Saturdays too.
0.8 overall rating
by Anonymous

Worst customer service

AAA the worst we have ever dealt with. They insured a car that hit my son's parked car, 100% the fault of the driver insured by AAA. The company lost a page of accident report and made no effort to contact owner of damaged car. It took dozens of phone calls over 2 months to get AAA to do anything at all.
1.3 overall rating
by Anonymous

poor homeowners coverage

AAA has not helped me through a total loss house fire. We lost everything and our home. They are refusing to pay for anything and are accusing me of doing everything wrong. These are the worst people to talk to and no one ever calls back with answers.
1.3 overall rating
by Anonymous

Slow Claim Processing

Their representatives are incompetent. I lost my house in a fire and I have received no help in replacing my belongings. It's been almost 1/2 a year since I submitted the info required to recover the depreciated amounts and I still have not received anything.
1.3 overall rating
by Andrew

Double Charged

Four times now I have mailed in payment only to receive letters saying that my policy is either in danger of cancellation or already canceled due to lack of payment. When I call, they blame the post office. I'll make a payment over the phone, then the "missing" check arrives, they process that payment as well.
0.8 overall rating
by Anonymous

Poor Customer Service

The AAA office in Oceanside offers nothing but poor customer service. The first time I went to the Oceanside office I thought that maybe the sales agent was having a bad day and that's why I received bad service. But after my 3rd time at the Oceanside office, I discovered that each sales agent was just as rude as the first.
1.8 overall rating
by Anonymous

Unsatisfied former customer

When I tried to cancel, I receive a bunch of excuses as of to why my refund has not been released in a timely manner.
0.8 overall rating
by John

Slow and tedious

My accident with their member was a month ago. I then turned this over to my insurance company and they called AAA and were talked to very curtly. The problem seems to be that AAA doesn't recognize that the low estimate of $155.00 is reasonable. They want to get an adjuster out to look at the damage, and that sounds great. After a week no contact from the adjuster or AAA. It seems the only way to talk with AAA is to call again and find someone different on the claim.
2.0 overall rating
by Anonymous

Poor Customer Service

On one hand their representatives are nice and polite and on the other hand, they seem to be all uninformed. There is no one single time AAA send me a statement which is correct, and every-time I have to go in person to fix the mistake. When my wife total lost our Corolla, the claim was fine and the refund for the total was correct. I went in person to remove the Corolla in the new policy and add a Hyundai Elantra that we bought. They couldn't give me a copy of the new policy because the didn't have access to my account (head quarters are in California). Nine months later and after being there more than 12 times, they continuing sending me the policy with the Corolla and no Hyundai.
3.5 overall rating
by Andrea

Happy

I have been with AAA insurance for quite some time now. I got into an accident that was not my fault and they dealt with the situation quickly and efficiently. They dealt with the other party's insurance so that I could focus on going to work and school. They were easy to contact and helpful. I would also recommend their road side assistance, which I have found helpful during the years when I was driving a 1987 Camry that was not always as reliable as I wanted it to be. They are a bit more expensive than the other insurance companies, but you get what you pay for. In the long run, paying a little bit more will save you the headache and time.
1.5 overall rating
by Anonymous

Refusing to take fault

My mother was recently in an accident. She was at a stop light and another motorists hit her from behind. There was a witness to the scene and he gave his name and number to give any statement either insurance needed. Even after AAA found out that there was a witness they still said that their motorists doesn't want to be at fault even though he hit a car stopped at a red light and there was a witness who saw the entire thing and saw the AAA insured motorist as being the one who hit a stopped car (mothers).
0.8 overall rating
by Anonymous

won't Pay Anything

I was rear ended by their insured. AAA is trying to find a way to get out of paying me! I was sitting in a signal light completely stopped.
2.5 overall rating
by Brian T.

Satisfied

My girlfriend and I have relied on AAA insurance for a total five years now. We are satisfied with the rates that we receive and have not noticed any strange or unfair increases in our insurance rates. I consider myself pretty lucky: my girlfriend is the most consumer conscious person I know; she is constantly looking to see if there are better deals available. In fact, she makes a regular practice of comparison shopping for insurance, on average, about every six months or so. Not once has she ever said that she has found a superior deal than those offered to us by AAA insurance. Although we will continue to keep an ever watchful eye on our premiums, I don't foresee us leaving the services of AAA behind any time soon; the staff is great, easy to talk to, and the claim processing is equally good. Five stars for AAA insurance from two customers who will remain loyal.
1.0 overall rating
by Anonymous

No record of anything

I received a call from AAA offering a great package deal: home owners and car insurance in the same quote. I am a AAA member and I did get an excellent deal on the home owners portion saving about 900 per year. One month later I was rear ended. I called AAA and submitted a claim. Days went by and no one from AAA called me. I called again and there was no record of my claim or call. I re-filed the claim. Two weeks go by and I call. Again there is no record of my call or claim. Payment is a nightmare. They provide no online services of any kind. I submitted my first couple payments using my bill pay at my bank, but AAA started charging me a fee for the payments. I then called in the next 2 payments to their office and payed with my debit card. Last night I received a very rude call from AAA telling me they have not received payments in 3 months. Just like my claims before there was no record of the payments I made on the phone.
1.5 overall rating
by Anonymous

No Coverage

My brother put a claim in for water damage. They sent someone over very quickly. The inspector went through the house and told them that there was a lot of damage due to a broken water line. He informed them that will need the whole kitchen repaired. Now they are refusing to pay and are jerking them around. My sister and her family have been living a half torn apart kitchen with exposed mold for five weeks now.
0.8 overall rating
by Anonymous

Poor Claims Process Practices

I had an accident with a AAA customer, and the representatives at AAA are telling me different things about the payment.
1.3 overall rating
by Anonymous

Car Unknowingly Sold In Auction!

AAA sent us a bill which we made revisions on in late August and they told us they would send us an updated bill with the new cost. As we waited for the bill we, became distracted by other things in life, and we eventually we forgot about it. My daughter was involved in an accident in the following January. This is when we were made aware that we had never paid our bill and after a two and a half week review process AAA decided they were not going to honor the claim. All along, my daughter's truck had been sitting in the lot of a towing company. I called the morning after we found out it was not going to be covered to see when we could come pick up the truck. It was un-drivable and needed to be loaded onto a flatbed trailer. It turns out the truck was no longer in the towing lot. The truck was "missing" for two days before the towing company realized AAA had came and picked it up twelve days prior. After that it took AAA two more days to realize that they had already sold the truck that they had refused to cover in an auction.
1.0 overall rating
by Anonymous

Payment Different From Quote

I got a quote for auto and home. I asked a couple of questions and decided to go forward. I gave them my credit card info. They billed me immediately and sent me policies that were different from the quote. I never accepted the policies. I contacted them 7 times by email and phone and they ignored me. It took a month to get my money back.
1.3 overall rating
by Anonymous

Not Covered?

AAA has caused me nothing, but problems. A woman talking on her cell phone ran through a stop sign and broadsided me. I was in a new car and AAA tried to tell me I wasn't covered because I was in a different car than the one I owned when I took out the policy. Being that I have been paying premiums to cover me in ANY vehicle I amdriving, after a month they were finally forced to pay me and go after the other driver's insurance company.
0.8 overall rating
by R. Frye

Poor Customer Service

I was involved in an accident with one of AAA's insured. He pulled out in front of me while I was coming down a hill. Instead of yielding to oncoming traffic, he waited until the last minute and turned causing me to hit his vehicle. So I called AAA to file a claim and they are refusing to take full liability for the damages. Their insured received a citation for careless driving and they still won't accept fully responsibility. They are telling me that I could have avoided the accident just so they won't have to pay me for my damages.
1.3 overall rating
by K. Lincoln

Rate Hikes

I went ahead and got insurance with AAA insurance and I really should have known better. A friend of mine told me she had a hard time with the company, but figuring it was a single incident I went against my better judgment and went along with AAA Insurance. At first everything was a smooth as gravy, I got a good deal on my rates, at least I thought so. I was insuring 2 cars for roughly 1700 dollars. Next thing you know I am getting a bill in the mail that tells me that I was quoted all wrong and that I actually had to be 2700.00!!! I almost fell on the floor! That was 1000.00 bucks more than I had to originally pay without an explanation for the difference! Well, you better believe I dropped the insurance company real fast and went with another carrier who also thought the rates given to me by AAA were ridiculous!

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