Are you searching for affordable insurance with great roadside assistance coverage? AAA Vs GEICO car insurance is a great comparison between to well-known and established insurance services with tons of tools for their customers. In this review, we will be comparing prices, claim satisfaction, discounts, complaints, and more to help you make the best insurance choice today.
AAA and GEICO offer some of the cheapest car insurance premiums that you will find.
GEICO is well known for their low premiums and their affordable quotes compared to other auto insurance companies. I personally have been able to save hundreds a month on auto insurance using GEICO. Make sure that you compare rates. Rates vary per driver based on your deductible amount, discounts that you are eligible for with each company, the worth of your car, your ticket history, and more.
There is a drawback to using AAA. Although you can possibly receive low monthly insurance quotes, you have to pay a yearly fee before you can get an insurance quote. With AAA, you have to pay $60-$100 for a membership to join their club. Club membership rates vary depending on the state that you live in.
To compare claims, we will use J.D. Power. J. D Power uses independent feedback from a representative sample of service owners. J. D Power has 5 Power Circle categories that insurance companies are able to fall into. “5 out of 5 Power Circles Among the best” for the top insurance companies in claims. “4 out of 5 Power Circles Better than most” for above average companies. “3 out of 5 About average” for average companies. “2 or 1 out of 5 The rest” for less than average insurance companies.
The Auto Club of Southern California Insurance, Automobile Club Group, and CSAA Insurance Group all ranked in the middle of the pack in the 2017 J.D. Power U.S. Auto Claims Satisfaction Study with 3 out of 5 Power Circles. Some of the companies that they beat out include Safeco, Liberty Mutual, Mercury, and COUNTRY Financial.
GEICO did better than most insurance companies on the list with 4 out of 5 Power Circles. In a competition between GEICO and State Farm, GEICO even beat at the largest auto insurer in the U.S.
Financial strength rating
- “A+” rating from A.M. Best.
- “A” rating from S&P
- “A++” rating from A.M. Best.
- “AA+” rating from S&P
Complaints comparison using BBB
The goal of Better Business Bureau is to be the leader in advancing marketplace trust. The BBB rating is based on 13 factors that will help you to find out how each insurance company handles the insurance complaints of their customers.
- BBB rated GEICO with an “A+” rating.
- BBB also rated AAA with an “A+” rating.
GEICO discounts and features
Vehicle Equipment -You could save up to 40% for full-front seat air bags. This discount only applies to the medical payments or personal injury portion of your car insurance premium.
Accident Forgiveness – Many people don’t know that GEICO offers Accident Forgiveness coverage. Your yearly rates can increase well over $100 after an auto accident. This is one reason why some people fail to report small accidents. With Accident Forgiveness, you will not have to worry about your insurance rates increasing after at-fault accidents.
Accident Free – Those with a clean driving record can save over 25% on their premium with GEICO. To qualify for this discount, you have to have been accident free for 5 years.
Member discounts – Depending on the organization that you are in, you can save with GEICO. With hundreds of organizations to choose from there is a strong chance that you can qualify. A few organizations that you can qualify with include Miami Association of Realtors, Kentucky Counseling Association, International Association of Chiefs of Police, Hispanic Alliance for Career Enhancement, Georgia Retired Educators Association, San Diego Association of REALTORS, Alpha Epsilon Phi, Phi Chi Theta, Mississippi Valley State University Foundation, Northern Illinois University Alumni Association, Denver University, University of Washington, and more.
Good students – Full-time students with good grades can save up to a 15% on certain coverages with GEICO.
AAA Membership discount – AAA members can save on air reservations, car rentals, hotels, cruises, Disney destinations, travel insurance, vacations, and more.
Up to 7% discount – With AAA, members can save up to 7% on auto insurance.
Accident Forgiveness – AAA also offers Accident Forgiveness.
Good driver and good student discount – AAA offers special savings for good drivers and students who do well in school.
Pay-in-Full – When you pay your premium in full you will receive a discount on your auto insurance.
Roadside assistance comparison
AAA offers legendary roadside assistance, which is what they are well-known for. AAA emergency roadside assistance services include:
- Towing – You will receive free towing up to seven miles from where the vehicle was located.
- Emergency fuel service – Classic AAA members will be charged for fuel delivery. Plus and Premier AAA members will receive fuel at no cost. You will be given enough fuel so that you can make it to the next gas station.
- Dead battery – AAA offers battery testing and replacement service.
- Flat tire – The AAA team will replace your tires for you if you have a spare or they will tow your vehicle.
- Minor mechanical first aid – AAA offers trained drivers to help with minor mechanical problems.
- Vehicle lockout – AAA roadside assistance comes with locksmith services.
- Parts – AAA members will receive 10 percent off regularly-priced parts and labor.
The only drawback of using AAA roadside services is the service limits. You and all other AAA members in your family are allowed up to four free calls for roadside assistance each year. It’s rare to call for roadside services over 4 times a year, but if you do you will be charged extra.
GEICO’s roadside assistance can be purchased for less than $0.50 a day. GEICO’s roadside assistance includes:
- GEICO gives you a jump for dead car batteries.
- Replacing flat tires.
- Bringing you gasoline if your tank’s empty.
- Locksmith service of up to $100.
- Towing (not accident related).
GEICO’s roadside assistance does not have a limit on how much that it can be used.
Mobile app comparison
AAA Mobile comes packed with exclusive member discounts at over 164,000 locations. Through the app you get roadside assistance help and more.
GEICO offers an award-winning app that offers easy-to-use tools such as their virtual assistant, gas finder, digital ID cards, accident assistance, reporting and tracking claims, and more.
AAA is a great company that offers many discounts to their members. GEICO is a well-known insurance company that offers affordable premiums and many insurance features to accommodate their customers. Check today to see which company offers you better insurance quotes.