Table of Contents[Hide][Show]
AAA Florida Insurance – We’ve all probably heard of AAA right? If your car breaks down, someone asks, “Do you have AAA?” or “Have you called AAA?” The group is well known for its towing and roadside assistance services and other AAA perks. Have you overheard someone at a store ask, “Do you have a discount for AAA?” And it is true that there are a lot of AAA membership benefits.
Do you know that AAA also offers insurance? Well they do – AAA insurance. They have a great package policy here in Florida that will bundle your AAA car insurance and AAA homeowners insurance or condo insurance policies. They also have standalone auto insurance policies.
AAA History
The American Automobile Association (AAA) began in 1902. Their well-known roadside assistance service began in 1915! Through the years, their membership has grown, as well as their services! Now, there are over 60 million AAA members.
Today, AAA offers much more than just roadside assistance, including comprehensive insurance coverage for auto, home, life, and more. Their commitment to customer satisfaction and extensive service network makes them a trusted name for Floridians.
What Insurance AAA Provides
Package Policies
- Personal Auto Insurance and Homeowners Insurance bundled package
- Personal Auto and Condo Insurance bundled package
Some other carriers that have 2 separate policies that give you a multi policy discount. However, AAA Insurance is a trus package policy where the home and auto coverages are together on the same policy. The home billing can still be sent through your escrow company if needed.
Standalone Policies
- Personal Auto Insurance policies
AAA Insurance Benefits
Choosing AAA Insurance in Florida comes with numerous advantages:
Competitive Discounts
Auto
- Pay In Full
- Multi-car
- Vehicle Safety Features
- Senior
- AAA Membership
- AAA Drive
Home
- Wind Mitigation
- Age of home
- Age of roof
- Alarm systems
- Senior
OEM Parts
With this optional coverage, if you have an accident, AAA insurance will use original equipment replacement parts for structural components. Some other companies will use aftermarket parts in this situation.
Umbrella Policy
AAA offers an add-on option for umbrella coverage. This provides a higher limit of liability for both your auto and home coverage.
AAA Drive
AAA Drive is a usage-based insurance program that you can use to earn a discount up to 30% on your auto rates. The program monitors things like phone distraction, smooth driving, speed, time of day, fatigue, etc to calculate your earned discount. (Learn More)
Loyalty Benefits
The longer you’ve been a AAA member, the higher your discount is. Also, after you’ve been a policyholder for 2 years, you may qualify for accident forgiveness (subject to qualification, ask us for more details.)
Why We Have Chosen to Work with AAA Insurance?
AAA is an insurance carrier that we are proud to offer through Think Safe Insurance. AAA is an AM Best rated company. They are committed to customers in Florida, and this package policy was created with Floridians in mind. You know the level of service that AAA is known for and we are excited to have an insurance product offered by such a respected company.
If you would like a AAA insurance quote, or if you just have insurance questions – give us a call today! 813-438-0424 or feel free to request a quote online if you prefer!
AAA Membership: More Than Just Insurance
Did you know that we can set up a regular AAA Membership for you as well, so you can enjoy AAA Roadside Assistance, AAA Travel Benefits, AAA Additional Benefits, as well as AAA Discounts at various stores and more!
For more info: AAA Auto Club Membership Benefits Flyer
AAA Membership vs. Roadside Assistance on Other Policies
First, if you haven’t gotten a quote for AAA Insurance recently, we’d be happy to check into that for you. However, it is a common question about the best place for your roadside assistance protection.
Should you have the coverage on your auto policy, or should you get a separate AAA membership? There are pros and cons to both options, and people can choose whichever works best for them. We are happy to answer any questions and help you with either option that you choose.
W/ AAA Membership
On Your Auto Policy
| Pros | Cons | Pros | Cons |
|---|---|---|---|
| Using the service won’t show as a claim on your policy | Usually costs a little more depending on the plan you need. | Usually less expensive | Using service will show as a claim on your policy claim history |
| More options (Classic, Plus, Premier) | None | Not available | Not available |
| Discounts at various locations | None | Not available | Not available |
| Travel and additional benefits | None | Not available | Not available |
Things to Consider for AAA vs Roadside on Another Policy:
Cost of Claims on Your Auto Policy
The cost of AAA vs the effect of a claim are 2 of the biggest factors for most people. Many carriers don’t penalize you for a roadside assistance claim, but if you have too many, they can non-renew your entire auto insurance policy. Also, when you are shopping for new coverage, the roadside claims do show in your claims history and can impact your rates with a new carrier.
Do You Remember to Ask?
Another thing to consider: Are you someone that remembers to ask for a discount? How many places have you heard give a AAA discount?
If you remember to ask for this throughout the year during your normal outings, you will probably save enough money to justify the cost of the membership. Check out this flyer for options. (*Prices subject to change.)
Additional AAA Membership Benefits
Another thing to consider are the additional benefits of the AAA membership. Aside from the roadside assistance and AAA discounts, you have travel benefits and other benefits. These are detailed in the flyer above, but just a quick overview includes things like car travel interruption, accident insurance, passport photos, identity theft monitoring, and more!
Secure Reliable Coverage with AAA Insurance and AAA Memberships – Get a Quote Now!
Whether you need a quote for AAA Florida Insurance or just have questions about AAA membership vs car insurance roadside service, give our team at Think Safe Insurance a call at 813-425-1626 or send us a message. We are happy to help!
You can also request a quote online.