AAA Vehicle Insurance ? What Sets It Apart

Formerly known as the American Automobile Association, AAA is a federation of affiliated automobile clubs. It consists of 51 regional clubs throughout North America. Each club is an independent and not-for-profit organization in its own state. Every affiliated club offers some standard services to its own members and members of other AAA clubs as well. AAA delivers a wealth of services, including travel, automobile, insurance, discounts and financial services.

As experts in all things about automobile, American Automobile Association has created superior insurance products for your cars. Complete coverage is also available for any type of motorcycles, ATVs and watercrafts. There?re many benefits of AAA vehicle insurance, such as fast, friendly claims service and competitive, affordable rates. Choose one of the insurance plans to best suit your needs.

AAA Auto Insurance

AAA auto insurance boasts many coverage highlights. Both your cars and yourself can get complete protection in the event of an accident.

• Bodily Injury Liability ? When you?re responsible for any injury or death caused by your vehicle, bodily injury liability has minimum coverage of $15,000 each person or $30,000 per occurrence required by local law.
• Medical Payment ? This is an optional coverage for AAA auto insurance. Medical payment coverage will pay reasonable medical and hospital costs in the event that you or your passengers are injured in an accident.
• Property Damage Liability ? If damage is caused to the third party?s car or property by a car you own or drive, property damage liability coverage makes compensation for the damage.
• Collision Coverage ? Collision coverage is mandatory if your car has a loan or lease. It covers damage to your car as a result of a collision with another car or object, no matter who is at fault.
• Comprehensive Coverage ? This type of coverage will be important if you car is stolen or vandalized. It also provides coverage when your car is damaged by fire, flood, earthquake or similar causes that are not related with collision.
• Personal Injury Protection ? In states with no-fault auto insurance, PIP always pays basic expenses for the insured and family members. This mandatory coverage often includes benefits in many areas, like medical expenses, essential services, accidental death & funeral expenses and loss of work income.
• Uninsured/Underinsured Motorist ? What happens if a legally uninsured or underinsured driver is liable for an accident? The uninsured/underinsured motorist coverage will give best protection to you and your passengers against any injury or death. Uninsured motorist car damage coverage is also included. You can receive $3,500 for damage to your vehicle if your policy does not include collision coverage.

You?re sure to find the best coverage protection for your cars since so many coverage options are involved. AAA auto insurance not only boasts complete coverage. Discounts are offered to help you save money on your car insurance. Drivers of hybrids and alternative fuel vehicles can receive reduced rates on AAA auto insurance. When you have a current auto, home or renter insurance policy with AAA, you?re eligible for a maximum discount of 10%.

Motorcycle/ATV Insurance

Nearly every type of motorcycle in the market now can be insured with AAA, from cruiser and utility vehicles to sporting and touring bikes. Flexible insurance policy options come handy based on your needs. A motorcycle insurance policy usually includes trike coverage, replacement cost coverage, travel loss reimbursement, safety apparel coverage and coverage for permanently attached accessories.

Watercraft Insurance

AAA has insurance for almost every common type of recreational boats. Based on the age of your watercraft, you can choose standard or optional physical damage coverage. Another distinct feature of AAA watercraft insurance is flexible payment options. Comprehensive watercraft insurance also pays partial loss replacement cost on parts and extended parts replacement. You can purchase full coverage for dinghies.

Other coverage options for AAA watercraft insurance include medical payments, trailer & boat lift and watersports liability. Customized package endorsements are provided for needed customers. But personal watercraft insurance has limited coverage choices, which usually cover watersports liability, physical damage and medical payments.

Remember to ask your agent for some discounts. If you insure two or more watercrafts with AAA, you can receive multiple watercraft discounts. For guests with claim-free renewal or ownership experience credit, certain discounts are also available. Boats using diesel fuel qualify for discounted rates as well. You can also obtain attractive discounts if you transfer your policy.

Collector Vehicle Insurance

You may need special protection for your muscle or classic cars. AAA collector vehicle insurance has the coverage your need. Of course, standard auto insurance coverage, like property damage and comprehensive, is needed. Collector vehicle insurance features innovative mileage plan options. If you have unused miles, you can roll them over to the next policy term.

Note: This web site is not affiliated in any way with American Automobile Association. Always seek financial advices from professionals and find accurate American Automobile Association service information on its official web site.

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