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AAA Auto Insurance - The Inside Truth About America's Favorite Auto Club

AAA auto insurance is great-- for some people.

Truth is, not everyone finds the deal that they need at this company, so it's important to get quotes from multiple places before settling for an insurance policy that isn't what you want or need.

Little Known Truth: AAA Auto Insurance Comes At A Higher Price Tag

AAA auto insurance offers something for everyone, but comes with a heftier price because of their exclusive “auto club” membership.

Now, if you're a good driver, and could use all the perks of the auto club, then by all means, AAA might be the place for you.

How To Really Know If AAA Insurance Is Right For You

There are many elements to consider when you apply for an auto insurance policy with AAA auto insurance.

First, you need to make sure that you have all necessary information present when you go to apply for an insurance quote. Make sure you have the make, model, and year of the vehicle you're insuring or the vehicle identification number (VIN).

You'll also need your driver's license number, social security number, and other personal information that may be asked of you. Once you have all of this information, you can fill out an online application for an auto insurance quote, or call the company and do it over the phone.

How AAA Calculates Their Auto Insurance Rates

Auto insurance rates are calculated on four or five main factors, depending on the company, which can include: your driving record, the type of car you drive, the amount of coverage you want, your credit rating, and personal information such as age, gender and marital status.

Ultimately, the insurance company will combine these elements and use them to calculate how risky you are for them to insure. If you appear to be a high risk, your premiums will be much higher than others.

How can you tell? Well, it's easy. Your driving record needs to be clean to be low risk. The more violations you have, the higher risk you are.

Also, the type of car you drive is put into a category, depending on its style. Sports cars and trucks are higher risk, while sedans and minivans are usually lower risk vehicles.

Men are higher risk than women, based on statistics, and younger drivers are higher risk than older ones. These will all be important things to keep in mind when you are shopping for AAA auto insurance.

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