AAA Auto Insurance Reviews

It’s now going on a week since that conversation and am still waiting to hear any sort of follow up. My agent told me she did not have 90% of the information I entered into my original online claim (photos of the damaged cars, the other driver’s contact and insurance info, as well as my description of the accident). Logging into the claim online, it does only show the driver’s name and vehicle model…. so none of the details I spent time and energy inputting into the system, and there is no way for me to update the claim with any of this info.

After setting up the AAA app and signing the required e-documents, I discovered that the actual auto insurance premium was nearly $100 higher than what I was originally quoted. At that point, the agent stopped responding to my calls, texts, and emails entirely. I contacted AAA customer service and was told that the quote I received was incorrect. They provided me with a manager’s contact information, but I experienced the same issue—no response and no return calls.

When the agent finally contacted me again, she attempted to justify the higher auto premium by saying I was receiving “better home coverage.” That is not her decision to make. I should have been given accurate pricing upfront so I could make an informed financial decision. At this point, I was already locked in, having switched all of my insurance policies. This experience felt misleading, unprofessional, and extremely frustrating. I am aware that agents earn commission for writing policies, and this situation raises serious concerns about transparency and ethics. I do not recommend AAA based on my experience and advise others to proceed with extreme caution.

I am the type of neighbor that doesn't have to be asked for help, when I see someone with a problem, I offer to help. The city of Westlake OH where I live has an ordinance requiring homeowners to clear their sidewalks of snow. When I clear mine with my snowblower, I also do the two neighboring sidewalks on each side of my property. I used to clear the whole block of more than 24 lots and the crosswalks (about 1600 ft. total), but I've gotten a little too old for that.

I should of known that I would have trouble with AAA's insurance because one of my vehicles is a '63 MGB, which I rarely drive, but has sentimental value because it belonged to my favorite uncle. My cousin gave it to me two years after his dad died because he knew there were problems with it and I had a garage in which to keep it and would work on it. I've had the MG for 42 years and the only time anyone else has worked on it was when I bought tires. I can remove, patch, and mount tires, but I can't balance them.

The AAA agent insisted that I should insure the MG with them to get a multi-car discount. She said she knew what an MGB was and I gave her the proper serial number (cars had serial numbers, not VINs in 1963). When I got my paper work, AAA showed it was Mercury G, and I called or emailed her about the error. She said it would be corrected, but when I got the new paperwork, it showed it to be a Metropolitan G (Metropolitans were only sold until 1962). I called her again and she said it would be corrected, but they never got it right. They had the right serial number and it was only covered for storage and wasn't listed on my ID cards, so I just let it go. They charged me two dollars per half for the "Metro G". I figured I would get specialty car insurance before I took the MG on the road.

Last May I got a letter from AAA's underwriting dept. indicating they couldn't insure the "Metorpolitan" (sic) and would cancel the policy. No reason for the cancellation was given. I took this to mean they would just continue to insure my 2000 GMC truck and 2013 Prius C. My policy was paid up until mid-July, and I saw no sense in calling them again. I was dealing with health concerns and knocking heads with the county over my property valuation (Cuyahoga County uses bogus information and won't correct it).

There is a lot of stupidity going around. I tend not to pay a bill that I don't get in the mail. I kept getting "important" mailers from AAA about every other week for life insurance which I had no interest in since I have no dependents and don't expect to leave any debts. I forgot about my car insurance until my cousin asked me what I was paying for it on November 19th. I looked in the mailbox and found another letter from the AAA underwriting dept that came that day indicating that I would not be getting a homeowners renewal in January because I had no auto policy. I thought I had paid it in July but found no record of it or a bill.

I had been driving for more than four months without auto insurance! It was too late to call AAA and spent a largely sleepless night and called AAA the first thing in the morning. I explained the situation to the lady I got on the phone and she told me it was my fault because I didn't call them in May to tell them to take a car that they couldn't insure off my policy. I asked to talk to someone in the underwriter's dept, but she couldn't give me a number because only her boss could send an email to them, no one could call that department.

I asked if I could reinstate the policy for the GMC and Prius by paying a late fee. She said it was too late and that she would have to set up a new policy and that the premium would be about double that of the old policy because I was high risk because I had been driving without insurance for four months even though they had never sent me a confirmation of cancellation or a bill. Last year's policy came with a letter signed by the president and CEO, addressing me as "valued policyholder", so I wrote him a letter telling him I didn't feel valued, but more like roadkill. I mailed it a month ago, but haven't received a reply, so maybe he was replaced with A.I. along with the underwriters dept.

Lastly, they are inflexible with their tenants policy. If you switch apartment complexes in the middle of your tenants policy they cannot adjust it to cover your new landlord's 1 year policy requirement. Plus if you cancel it, you have to wait 1 month before starting a new tenant policy which puts you out of compliance. They claim no one has ever called to adjust a tenant policy due to switching housing. There are many great customer service agents but after 3 years of service I'm ready to give up my car or go elsewhere.