The AAA stands for the “American Automobile Association.” Anyone in North America can join AAA for a nominal charge, as the organization is privately run and not-for-profit. In 1902, the founders of the company began making maps, hotel guides, and high school driver’s education curricula. They now have over a thousand establishments across the globe. This article talks about the cost of AAA auto insurance coverage in Florida, its customer service, and whether it also offers homeowners insurance.
Overview
AAA car insurance is provided by independent, locally-based firms using the AAA name and insignia. Similar benefits accrue from joining a local AAA chapter, which you might need to do if you want to purchase car insurance. There will be a cost associated with this, but the potential savings on your car insurance can make it worthwhile.
The American Automobile Association (AAA) is a consortium of local car clubs. Each AAA club is an independent, not-for-profit organization chartered and incorporated in its state and administered by its own Board of Directors. In exchange for membership in AAA, each club must meet a certain standard of service for its members and members of other AAA clubs. Each club has exclusive rights to its territory, and membership is restricted to those who are legal residents in the area. Each club will have slightly different membership fees and offerings.
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Homeowners and renters insurance from AAA are offered via local agencies. Life insurance is another product AAA offers. Members of AAA can get roadside assistance whenever they need it, no matter who is behind the wheel. Anywhere in the United States or Canada, as long as the member has the vehicle, assistance will be provided.
When the unforeseeable occurs, you may count on their support. Whether you require a tow because your car has broken down, your battery has died, you’ve run out of gas, you need a tire changed, you’ve locked your keys in the car, you need some basic repairs, or you’re simply stuck. Standard roadside assistance is included in your AAA membership at no extra cost, but some services may incur additional fees depending on your membership tier. For further information, check the AAA club’s website in your area. You’ll need the following items to receive roadside assistance:
- The 16-digit number is printed on the front of your AAA card or displayed on your AAA digital membership card.
- The location of the disabled vehicle.
- What kind of service is required?
- Details on the broken-down car.
- Contact information includes a phone number.
Florida drivers pay higher vehicle insurance premiums than the nationwide average. Due to the low minimum liability requirements in the state, drivers may wish to consider acquiring full coverage policies that include collision and comprehensive coverage. If you live in Florida and need vehicle insurance, the best way to obtain the coverage you need at a price you can afford is to shop around and compare quotes from multiple providers. Florida’s AAA-recommended vehicle insurers are as follows:
#1. The State Farm Company
State Farm has a lot of different policies, low prices, and a great reputation. The company provides rideshare insurance, uninsured motorist protection, and trip disruption benefits in case your car breaks down while you’re on the road and in need of medical attention.
The Drive Safe & Save telematics insurance program from State Farm tracks your driving habits via a mobile app. Safe behaviors like moderate acceleration and gradual braking might save you up to 30% when you renew your policy.
#2. Geico
All types of drivers can benefit from Geico’s low rates and excellent customer service. The coverage limitations offered by this firm are higher than those of many of its rivals.Â
In addition to its low rates, Geico is well-liked by customers thanks to the many different discounts it offers. Also, discounts of up to 10% are available at policy renewal time through the company’s usage-based program, DriveEasy.
AAA Auto Insurance Coverage Florida
If you’re in the market for AAA auto insurance in Florida, you should know exactly what you need and what kinds of coverage you like. For instance, to operate a motor vehicle in the majority of states, drivers must have liability insurance. On the other hand, full-coverage insurance may appeal to you if you’re concerned about safety. However, find out how the most popular kinds of auto insurance coverage are structured by reading about them here.
However, in Florida coverage options are state-specific since AAA auto insurance is provided by independent providers. Wherever they do business, all insurers must provide the minimum level of coverage required by law. The AAA auto insurance branches in Florida are not alone in providing additional coverage types such as uninsured motorist protection, medical payments, comprehensive, and collision.Â
#1. Money to Cover Rent
When your automobile is in the shop getting fixed, you might get your rental fees reimbursed.
#2. Insurance for a Rental Car
You will be protected while operating a rented vehicle thanks to this insurance.
#3. Insurance for Tenants Only
Non-vehicle owners who drive frequently enough to warrant protection might purchase this policy in their place.
#4. Pet Coverage
If your pet is harmed in a car accident, Pet Coverage will assist with the associated medical expenses.
#5. Accident Forgiveness
With accident forgiveness, your insurance prices won’t go up after your first accident.
#6. Gap Insurance
If your automobile is stolen or written off, gap insurance will cover the remaining balance on your loan or lease.
#7. Exterior OEM Warranty Service
Covered exterior vehicle repairs will be made using OEM components rather than cheaper aftermarket alternatives.
#8. Substitute for Brand-New Automobile
If your car is ruled a total loss, the insurance will cover the cost of a replacement vehicle. A car of the same model and make will be sent to you as a replacement. In most cases, you won’t be able to get this protection unless your automobile is quite new.
#9. Upgrade to a Newer Car
If your automobile is totaled in an accident, the insurance will cover the cost of a replacement vehicle up to two years older than your current ride. If new-car replacement is not an option due to your vehicle’s age, you may be able to obtain this coverage.
#10. Insurance for Carpooling
It gives you peace of mind while you’re working as a rideshare driver. The typical ridesharing company’s insurance policy only covers the time between picking up and dropping off a passenger.
#11. Comprehensive Coverage
Damage to your car that is the consequence of anything the driver could not have prevented, such as bad weather, theft, vandalism, or colliding with an animal, will be covered by comprehensive insurance.
#12. Driving While Uninsured or Underinsured
This policy will pay for your medical care and property repairs if the negligent party does not have insurance or if their policy limits are exceeded.
#13. Bodily Injury Liability
This coverage is mandated by most jurisdictions and pays for the expense of injury to a third party when you are at fault for a traffic accident.
#14. Property Damage Liability
When you cause an auto accident and another person suffers property damage, this insurance will help cover the costs.
#15. Collision Coverage
If you hit another car or a stationary object like a tree or fence, your collision coverage will pay to fix or replace your vehicle.
AAA Auto Insurance Florida Cost
AAA auto insurance cost rates are highly context-dependent in Florida. The AAA Auto insurance cost premiums in Florida consistently rank among the nation’s highest. This is because AAA is a federation of car clubs that are diverse from state to state. The average cost rate for AAA auto insurance in Florida, however, is $961, which is much more reasonable. Insurers have shown that drivers can save an average of $749 annually by switching to AAA.Â
Auto insurance premiums in Florida are among the highest in the country. Minimum auto insurance in Florida is $112 per month or $1,343 per year, as estimated by Quadrant Information Services. The national median for minimum coverage is $53 per month or $635 per year; thus, this is more than two and a half times as expensive.
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When it comes to full-coverage automobile insurance, drivers in the Sunshine State spend an average of $246 per month or $2,947 per year. The national average is currently $144 per month or $1,730 per year; thus, this is a premium of over 70%. The minimum cost of AAA auto insurance requirements for drivers in Florida are as the following:Â
- Personal Injury Protection (PIP) is worth $10,000.
- Insurance against property damage for $10,000.
If you or a loved one are injured in an automobile accident in Florida, your healthcare costs will be covered by your insurance policy, regardless of who was at fault. Only a handful of states do not mandate that motorists have bodily injury liability insurance, and Florida is one of them. Note that property damage liability insurance only reimburses you for repairs to another person’s car. As a result, many motorists in the Sunshine State choose comprehensive and collision coverage as part of their plans. When you’re at fault in an accident, collision insurance will pay for repairs, while comprehensive insurance will cover things like theft, vandalism, and weather.
#1. Member
Discounts are given to AAA members based on their length of membership.
#2. Security Checkup
If you let AAA evaluate your vehicle, they will lower your monthly rate.
#3. AAADrive
These are smartphone programs that monitor your driving patterns and reward safe behavior with financial incentives.
#4. Safe Motorist
Save up to 20 percent on your AAA policy when you complete an authorized defensive driver course.
#5. Many Cars
If you insure multiple cars that you use often, you may save as much as 27 percent.
#6. Different Policies
Combining the insurance policies for your car and your house, condo, apartment, or life can help you save money.
#7. Complete Payment Rebate
AAA offers a discount if you pay for a complete year’s coverage at once.
#8. Paperless
Instead of receiving a paper bill, customers who choose paperless billing are offered a discount.
#9. Loyalty
After becoming a AAA member for 12 months, you are eligible for a 5% discount.
#10. Guards Against Harm
If your vehicle has anti-theft devices, airbags, or powered seatbelts, you are eligible for this price reduction.
#11. Homeowners
Car owners can cut their premiums by as much as 37% simply by being homeowners.
#12. An All-New Ride
AAA members who insure a vehicle that is less than three years old can save 30 percent.
#13. Professionals
Scientists, doctors, engineers, certified public accountants, and teachers may be eligible for a 7% discount.
However, AAA has been satisfying clients for almost 100 years. In addition, visit the official website of the American Automobile Association today to receive a quote on car insurance at no cost to you.
Does AAA Offer Homeowners Insurance in Florida
Although Florida can be enticing to individuals who prefer sunny weather, living in the Sunshine State has its hazards, too. The typical annual premium that AAA offers to Florida homeowners insurance is $2,385, or roughly $199 per month. A national average offer to AAA homeowners insurance in Florida of $1,820 makes that figure 31% higher.Â
Insurance premiums are heavily influenced by your credit score in several areas across the United States, including Florida. Similar to a typical credit score, but not a replica, is the insurance score. A rate study reveals that Floridians with low credit scores pay an annual average of $3,295. Comparatively, Floridians with excellent credentials only pay 24%. And that figure is growing.
Insurance companies in Florida pass on the costs of lawsuits and regular natural catastrophes to their customers, raising homeowners’ premiums. However, in the face of massive losses, many insurers have hiked premiums, stopped offering insurance in Florida, or simply gone out of business. Hurricane Ian’s massive claim losses exacerbated the market’s preexisting difficulties. In addition, if you want to acquire home insurance from a well-rated national brand, consider one of these providers. The following are AAA homeowners that offer insurance in Florida providers:
#1. Cincinnati Insurance
Cincinnati Insurance distributes homeowners policies through independent brokers, with several alternatives for conventional and high-value houses. It’s also possible to purchase additional protection against things like identity theft, computer attacks, and water damage. Cincinnati insurance companies may reward policyholders who meet specific criteria, such as maintaining a claim-free history or purchasing a newer, safer house, with lower premiums.
#2. USAA
USAA provides services to current military personnel as well as veterans and their families. Homeowners insurance coverage from USAA may be worth considering if you fit one of these profiles. Replacement cost coverage for your items is included in all USAA standard homeowner policies. However, this means that in the event of theft or damage, the company will reimburse you for the full cost of new replacements. As a general rule, many businesses offer less for used, lower-quality goods. Also, for active or deployed members, USAA provides coverage for military uniforms at no additional cost.
AAA Customer Service
Data from the National Association of Insurance Commissioners over three years shows that Automobile Club Group received a lower-than-expected number of complaints from policyholders to state regulators, given the company’s size. There were about as many complaints about auto insurance with Auto Club of SoCal as there were with CSAA Insurance Group.
Among 11 insurance providers in the United States, Auto Club of Southern California placed fourth in customer satisfaction in J.D. Power’s 2022 U.S. Insurance Shopping Study. Auto Club Group was ranked eighth, while CSAA was ranked eleventh in the same assessment. Auto Club of Southern California was ranked fourth out of twenty-one firms for customer satisfaction by J.D. Power’s 2022 Auto Insurance Claims Study, while CSAA Insurance Group and Auto Club Group were ranked tenth and eighteenth, respectively.
AAA customer service provides roadside assistance whenever it’s needed, using the following variety of contact methods.
The quickest and most convenient method is to use the AAA Customer Service Digital Roadside Request online tool, accessible either by visiting their website or by texting the word “HELP” to 800-AAA-HELP (800-222-4357). However, help will be on the way after you answer a few simple questions. While you wait for the technician, you can receive text messages with arrival updates.
Dial (800) AAA-HELP (800) 222-4357 to talk with a AAA call counselor. Ask your smart device to dial AAA for you if you ever get stuck on the side of the road. Google can be activated by saying, “Okay, Google, talk to AAA road service.”
When it comes to offering service to auto insurance customers, AAA partners with other auto groups across the country. The main organizations, along with the areas they cover in the AAA customer service, are as in the following:
#1. Socal Automobile Club
There are a total of twenty-one states in this list: Alabama, Arkansas, California, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Missouri, Mississippi, New Hampshire, New Mexico, Ohio, Pennsylvania, Texas, Virginia, Vermont, and West Virginia.
#2. Automobile Club Group
A list of states includes Florida, Georgia, Iowa, Illinois, Indiana, Michigan, Minnesota, North Carolina, North Dakota, Nebraska, South Carolina, Tennessee, and Wisconsin.
#3. CSAA Insurance Group
States of Alaska, Arizona, California, Colorado, Connecticut, Delaware, District of Columbia, Idaho, Indiana, Kansas, Kentucky, Maryland, Montana, New Jersey, Nevada, New York, Ohio, Oklahoma, Oregon, Pennsylvania, South Dakota, Utah, Virginia, West Virginia, and Wyoming.
Advantages of AAA’s Florida Auto Insurance
The following are the Advantages of AAA’s Florida auto insurance:
- Being an AAA member could qualify you for a lower rate on your car insurance.
- You can choose from several different kinds of coverage.
The Downside of AAA’s Florida Auto Insurance
Florida drivers should be aware of the following drawbacks to AAA’s car insurance:
- Products offered by insurers vary by location.
- May require AAA membership.
- If you move to a new state, your AAA insurance provider may require you to switch.
Does AAA Write Auto Insurance in Florida?
AAA Auto Insurance in Florida is the method to secure protection you can count on. AAA has been helping drivers in the United States for almost a century. You may rest easy knowing you’ll have access to their famed automobile club amenities. The insurance policies they offer, with their cutting-edge additions, are highly competitively priced.
Is Allstate Cheaper Than AAA?
Customers with credit scores below 580 can often get better prices from Allstate than they would from AAA. Also, drivers with perfect credit (a score of 800 or higher) should favor Allstate over AAA because it saves them an average of $1,071 per year.
Why Is AAA Pulling Out of Florida?
Due to an “unprecedented” surge in reinsurance premiums in Florida in the wake of last year’s hurricane season, AAA has announced that it will not be renewing some insurance plans in the Sunshine State. However, the insurance company emphasized that it has no plans to leave the state; rather, it is merely taking precautions.
How Can I Lower My Car Insurance in Florida?
The following are:
- You should increase your deductible.
- Check for discounts you qualify for.
- Evaluate several auto insurance policies.
- Keep your driving record clean.
- Join a driving program that emphasizes safety.
- Learn defensive driving techniques.
- Find out what your financial choices are.
- Boost your credit rating.
How Many Insurance Companies Are Pulling Out of Florida?
Since this time last year, three big companies—Farmers Insurance, Bankers Insurance, and Lexington Insurance, an AIG subsidiary—have voluntarily left the state. There is a “very small percentage of higher exposure homeowner’s policies” that AAA is not renewing, the company confirmed to the Palm Beach Post.
Is AAA Good in Florida?
You can use AAA in Florida. Auto Club South, AAA Carolinas, and the Auto Club Group offer AAA roadside assistance in Florida, helping Floridians with things like towing, battery jump-starts, tyre changes, winching, fuel delivery, lockout services, and more.
What Does AAA Cover in Florida?
You may get comprehensive coverage for your car from companies linked with AAA. If someone gets hurt and you’re found legally responsible, your insurance will kick in. Property damage to other parties is also covered.
Can I Use My California AAA in Florida?
The services of AAA are valid over the entire North American continent; AAA’s service area encompasses the whole United States.
How Much Does AAA Premier Cost in Florida?
Premier Members can make use of all AAA services, including trip interruption coverage, travel accident insurance, and a free rental car for one day with every tow, for just $124.99 per year.
Conclusion
Allow AAA to help you consolidate your insurance needs by providing you with a single policy that addresses all of your auto coverage needs. Their bundle policy, which includes coverage for both your home and your car, is an excellent option for many individuals because it reduces paperwork and saves money. Your auto insurance needs can be met by a single AAA-approved agent and provider. Auto insurance is often reserved for AAA members, but the organization’s many benefits could be worth the price of membership.
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