Automobile Club of Southern California

Automobile Club of Southern California Reviews

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Overall Rating2.8 out of 5
See all 106 reviews & ratings

About Automobile Club of Southern California Reviews

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The Automobile Club of Southern California offers reasonably priced car insurance policies to drivers in California. As part of the AAA network, Automobile Club of Southern California provides access to nationwide benefits and coverage while maintaining the perks of a small business.

Pros & Cons


  • Reasonable membership fee
  • Several discounts
  • Part of AAA’s nationwide network


  • Typical auto coverage perks
  • Annual fee

Bottom Line

Automobile Club of Southern California (ACSC) is part of the nationwide AAA network. Its auto coverage includes roadside assistance, towing, travel planning, identity theft protection and various discounts.

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Automobile Club of Southern California Reviews

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Reviewed Aug. 26, 2021

They sent me a check for $323 (due to a refund) to the wrong address. By the time I got the check in hand, more than 6 months had passed. So the funds stayed with them. State law requires them to return the funds to the States "Unclaimed Properties" where we can get our funds for checks beyond 6 months. They conveniently forgot to do so and kept the funds. Also they convenient encourage the clients to pay electronically, but to refund they mail checks. Thieves, Unethical, Illegal.

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Reviewed July 11, 2021

For the sake of other members, I hope the service I got from ACSC (Automobile Club of Southern California) never gets any worse than what I endured. I was driving through the high desert on Highway 74 in Riverside County about 7 miles from the small town of Anza when I slowly lost all electrical power including to my spark plugs. My alternator had stopped working. I called ACSC for help, and Valley Auto in Anza was called to assist. I then called them directly to ask how soon they expected to be able to send a tow truck. I was told that all of their drivers were out of town on service calls and they couldn’t say when I could expect anyone to tow me to my mechanic.

I called ACSC to relay that information, and I asked if the request for service could be forwarded to Idyllwild Garage, another nearby authorized service provider, instead. Please note that I was “dead on the road” on a small desert highway, and that the temperature was 105°. Again, ONE HUNDRED AND FIVE DEGREES! And my only shelter was my ‘96 Toyota Tacoma mini-pickup truck, basically a small metal box, in the direct sun. (During World War II, the Japanese put prisoners of war into that same situation as a method of torture.) When I made that second call to ACSC, I was told that my request to change service providers would have to be approved by a supervisor, and that I would receive a call when that happens.

I advised the Auto Club rep of the weather conditions, also that I was towing a small, empty flatbed trailer, but I would have no problem with locking the hitch and leaving it on the side of the road if necessary. So I waited for word of the supervisor’s approval. And waited. And waited. Then I called again and was told the same thing, that my request had been forwarded to a supervisor who will have to authorize the change, and I will be informed when that happens. So I waited some more. Still nothing from Auto Club. So I called the owner of Idyllwild Garage asking if he could do anything to help me.

He said he hadn’t yet received any communication from ACSC, but that he would send a truck immediately so the driver would be standing by my side while we wait for authorization to tow my truck to get repaired. Now THAT is service, and THAT is respect for the people who pay for that service. The driver had my vehicle on his truck and ready to go before even getting the go-ahead from ACSC. We got the approval shortly thereafter. All together, from the time I made my first call to ACSC to getting towed by Idyllwild Garage, I baked in the desert sun for 3 1/2 hours. ONE HUNDRED AND FIVE DEGREES FOR THREE AND A HALF HOURS waiting for the “supervisors” (aka: superiors?) to do their job.

When my wife learned about the incident, she called ACSC to, shall I say, express her disappointment with Auto Club’s incompetence. The representative said he would request a $61 credit toward our membership renewal. I’m not impressed. In fact, I consider trying to whitewash the situation with $17 per hour for involuntarily being stranded, especially in those conditions, to be disgraceful. If anything, a formal written apology would been a more appropriate indicator of sincere remorse, or if that’s too much to ask and it’s easier to try to appease me with something not so degrading, perhaps a free year of membership would have been a more appropriate way to say, “Please forgive the poor service, and please remain a member.”

With the exception of a brief lapse of my membership about thirty years ago I have been a member of ACSC since the early 1970s, nearly a half century. I am also insured by Auto Club. I joined at the advice of my sister who was a Claims Adjuster for ACSC and my parents who were also members for several decades. The service I received from this well known organization was disgraceful.

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Reviewed May 13, 2021

I have been a loyal customer to this office for more than 15 years. But things have gone downhill lately. This branch in Corona is now full of bad insurance agents. They kept trying to rip me off with playing the numbers game. They treated me as if they were entitled to rip me off. Don't bother to go there unless their upper management do something to improve it.

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Reviewed March 9, 2020

AAA hires the bottomfeeders no doubt. I am canceling my membership. What I witnessed is straight-up theft. Scene of an accident. Freeway Towing shows up. We waited while they moved the wrecked out of the way. Then it happened....we watched the driver of the tow truck remove articles from the wreck, including a wallet. He removed cash, cards and other then tossed the wallet back in the wreck.

We went over. Confronted. He admitted it, He said he had a "Rubacon" whatever that is to pay for and can't file bankruptcy again. His wife is in the medical field. She wants nice things. So he does what he has to do. Gotta love you folks AAA. We are done. No way would I allow your contractors to touch any of my equipment. We are in touch with the authorities and the owner of the wreck. There needs to be more done about this criminal company Freeway Towing.

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Reviewed Dec. 31, 2019

I believe all drivers subscribe to a roadside service and assistance to have a peace of mind when traveling on the road. Sadly, last Christmas night, at Lebec, CA (Grapevine), we got stuck in the snow and AAA did nothing to help us at all. The one we talked on the phone said in an annoying way "just because you got snowed in does not mean it is eligible for AAA roadside assistance". Later, as the CHP helped us out of the freeway, we settled in a gas station as hotels/motels are all fully booked. We wanted to take the long route home in unfamiliar roads but the confirmation from AAA that we are not covered if we get snowed in prevented me from trying so. We were told by the AAA rep that "it has to be a mechanical problem". We ended up sleeping in the car for 2 nights from Christmas night until the I-5 freeway opened up 2 days later.

I just recently upgraded my family of 4, AAA membership to plus and premium membership this year so I guess we will revert back to regular membership. What a waste of money when you are not confident that your roadside assistance will back you up. Also note, we have seen other tow trucks tow their customers out of the snow and we spoke with one of them that told us it was included in their insurance policy. Beware...

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Reviewed Oct. 23, 2019

I had my homeowner's and auto insurance with AAA. One day I received a check in the mail and in the description, it said refund for cancelled policy. I immediately went to check my policies online and There was no auto policy to be found. I called the customer service line and they said that my auto policy had been cancelled because I did not respond to a letter that they supposedly sent. The letter was a request for me to specifically exclude my youngest daughter from the policy since she was of driving age. Now, my daughter does not even have her permit nor has she applied for it. The customer service agent kept saying that they sent me a letter. I kept saying I did not get it. When I asked for her to reinstate my policy she said that she had to send it to underwriting and that could take up to 72 business hours.

I asked to speak to a supervisor. After a long hold, he gets on the phone and says "We sent you a letter". I said, "Let's not start this. Please reinstate my insurance immediately." He said the only way he could do that is if they receive a signed document excluding my unlicensed/permitted daughter. After 17 years they could not even phone a friend and let me know that they did not receive the exclusion. I have no problem excluding her but cancelling my insurance without my knowledge is unacceptable.

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Reviewed July 19, 2019

First of all, I am not a AAA member, but after the experience I had, I will NEVER use their services. My home was damaged by one of their insured members back in Oct 2018. Here it is July 2019 and they STILL have not submitted payment to my insurance company so I can be reimbursed for my deductible that I am still out of pocket. Additionally, trying to talk to anyone in AAA Claims Department is a joke. My claim was assigned to Eduardo Rodriguez in the LA office and he is absolutely terrible at returning phone calls or emails. His manager Gina ** is useless as well. AAA could offer me a premium of $1 for insurance and I would still turn it down based on the way I was treated.

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Reviewed June 29, 2019

I paid my premium in full $2359 at the start of my policy Activation. My rate went up $367.80 4 months after I started my Policy because they could not insure my home. So on the sixth month I cancelled my policy and was surprised that on top of the obvious pro rate, I was charged an extra 11% for early cancellation that was not listed in my start up packet AAA provided upon policy activation. Be careful of their hidden fees especially 11%! That should be against the law!

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Reviewed May 29, 2019

I've been a member for 43 years and I have "NEVER" been treated so poorly as I have been for the past month. All that I wanted to do was to cancel my home and auto insurance, which I have the right to do, at any time as the policy owner. It seems that the incompetent people, don't want to help their customers and they lie to you and tell you that your home policy is canceled, when in fact it is not canceled. Rather than cancel the policy, it seems that AAA waits until payment is due and because no payment is made, (policy canceled) they lapse the policy and charge you a lapsed fee. This is totally unacceptable!

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Reviewed Feb. 6, 2019

Auto Club of California aka AAA Auto Club claims on door dings are covered under collision and not comprehensive. Very convenient because collision usually has $500 deductible and comprehensive carries $250. When looking for a good insurance company for your car, think twice before you pick Auto Club.

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Reviewed Jan. 8, 2019

I am still getting bills in the mail even though the amount I paid shows in their system. Don't join AAA. I'll be looking for a better company who works for the customer. You've turned me from a loyal, long term customer to a spokesman shouting from the rooftops against you. Sadly, if you only knew, I'm the absolute last person to post a reply, let alone a negative one with regards to a company I once esteemed highly.

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Reviewed Dec. 5, 2018

I have had AAA renters insurance throughout my moves around the country and have always benefited from friendly staff and competitive rates - this has NOT been my experience, however, dealing with AAA of Southern California. AAA Southern California uses antiquated customer support processes, was unable to provide me a quote in one phone call and does not make their policy information available online like it is for the roadside assistance services. Furthermore to amend my policy, they required me to come into a branch in person, unlike any other provider I researched. With AAA insurance I am dealing with literal pieces of paper.

To further exacerbate their inadequacies, when requesting a quote to add my engagement ring to my current renter's policy it was over 2x as expensive as three other quotes I was given from other insurers. What is laughable is that when I first tried calling AAA to amend my renter's insurance policy to include my engagement ring I called the Northern California branch by accident. Their response was immediate, easy to navigate to and policy information available online. I was pleasantly surprised until they realized I'd reached the wrong branch and had to transfer to Southern California where I was placed on hold for over 10 minutes in queue. And each successive policy agent was more and more confused as to how to deliver what I was requesting.

All this being noted, I've NEVER had a problem with AAA Southern California's roadside assistance. And in fact had them come through for me several times in a pinch. (Including when I got a flat on the highway - they mobilized someone to help in less than 10 minutes - great!) This has NOT been my experience with their insurance products. If you are planning to purchase insurance from the AAA Southern California operation, I would rank this a *strong* avoid - go to someone else.

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Reviewed Sept. 12, 2018

5:45 am - Called roadside assistance/selected Option #1 on voice menu "Battery Service". 6:15 am - Tech came on time (within 30 minutes)... and, was VERY irritated that I wanted him to check the battery to see if it needed replacement - which I was prepared to move forward with. It seems that he ONLY charges batteries/does not do diagnosis or replacement. THAT requires an additional service call because it is available only after 8 am. The phone menu SHOULD INFORM members of the time that particular service is available... so, that they don't have to deal with waiting and making two service calls! As a result, I was able to have the local Firestone - open at 7 am - handle it and cancelled the 2nd AAA roadside service request. I have sent this information to AAA via their website in hopes that they will INCLUDE this information on their voice menu!

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Reviewed Aug. 17, 2018

I signed on with AAA because they gave me a great quote for my family. When I received the bill in the mail it was for over 3000. They couldn't help me when I called to complain about it. I of course cancelled, only to find out they charge me 1700 for cancelling. I really couldn't believe it. After a ton of calls, emails to explain why I cancelled because of their agent's negligence, they still wanted to charge me. I settled for an 8th of the price, even though it was against my better judgement. I am still getting bills in the mail even though the amount I paid shows in their system. Don't join AAA.

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Reviewed July 3, 2018

Was in the Mojave Desert in August with my classic Auto Club So Ca membership card when the vehicle began to sputter and finally died. It was at night 9 PM and very hot in So Ca. Called Auto Club for a tow as we had plenty of fuel, battery and coolant so we were thinking the fuel pump failed. Spoke to a girl on the phone, gave her the information she wanted and she said she has a truck on its way but wanted to mention to me that my "Classic" membership will only tow the vehicle 7 miles from where it is. I asked her how would that be of any help, we're about a good 80 miles from any town? She said well, she could upgrade me to the "Plus" membership and that would tow us 100 miles if I wanted to. I asked her about the "7 miles or to the nearest contract station" benefit the Classic card provides and she didn't understand what that meant.

Got her boss on the line and she understood the memberships to be the same, 7 miles towing for "Classic" and 100 for "Plus". I explained they need to get out the contract membership agreement and read what it says about how far their service will tow a vehicle. Keywords are "Or, to the nearest contract station" which was Parker, AZ. This went on and on and then the tow truck (flatbed) showed up. I told Auto Club to take it up with their boss, "we're hot, wasting time with them and the tow truck is here who also disagrees with you". Ended the call and had a nice Air Conditioned ride for about 50 minute inside the truck. The driver was very competent and said, "Don't worry, we do this all the time and our tow lot is the closest one so you are good."

Got to his tow lot and he said, "try to start it now, sometimes fuel pumps fail as they heat up". Sure enough, the vehicle started so we could take the short 20 mile drive to our place vs. find a motel at midnight. The car made it all the way and the next day, took it to the dealer for a new fuel pump that was failing. Placed a call to Auto Club member services a few days later to file an issue as it was completely unfair to have idiots dealing with members who had no idea what the services are. Got a basic "I'm sorry" don't know what to tell you. Got out some paper and sent a letter to the Auto Club who responded with a "I'm sorry, we'll try better next time." I didn't think that set in far enough with them so sent a letter to the President, at the time. He wrote back with apologies and assured further training and review would occur to be sure all of their employees are current with policy. He also refunded my membership fee for the year to be sincere.

I have to say, what a complete blunder experience we had, in the middle of the Desert, Luckily had cell service and at the other end of the phone was an employee trying to upsell us to a “plus” card in efforts to reel in added revenue over a fake reason. I’m going to guess a lot of folks would have believed the employee and upgraded. How low can a company get?

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Reviewed Feb. 27, 2018

Was hit by AAA member 12/21 when she ran stop sign. Called to provide statement on 12/22 was told by someone in their clerical pool that appears they were already going by their member's statement. Mind you they had not spoken to us nor seen any of the pictures taken at the scene where the member ran the stop sign. Went downhill from there, adjuster Dawn would not return phone calls nor would her manager Mark. Only when message left that they were bordering acting illegally did we get call back from Mark. On 2/5 Dawn says she was still waiting for police report when they had already been advised there was none taken because no one was injured. Also had to report them to State Of California Insurance Department. We now have to take member to small claims where she will most likely have to pay out a lot more than whatever she saved buying into this insurance coverage.

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Reviewed Jan. 17, 2018

Only use AAA, Southern California if you want to waste your time, money and energy. For both Auto and Home insurance. They lie. They offer a bait and switch approach. Fraudulent practices. You sign for one price - they change it to another. For Home insurance they offer a low price then come to your home, take pictures and change the price. Run away. -Everything is blamed on the one underwriter that is "assigned to your case". They charge a high finance charge but they can't call it "finance charge" because they are a "non-profit". Three months of torture. "Managers" check into what chaos is going on, pretends to look into, comes back with more requests pictures, certifications for supposed discounts and then state they will charge even a higher rate. Threatens to cancel policy if do not pay the higher rate. Even though you signed a document with the lower rate.

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Reviewed Dec. 28, 2017

Had a faucet leak from our kitchen Island which ended up making the floors soft in areas. The claims adjuster only wants to be negative and deny our claim. Why am I paying for insurance when they just want to argue about this. I'll be looking for a better company who works for the customer and not to save the company money.

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Reviewed Sept. 26, 2017

I want to caution EVERYONE who is considering using AAA as their Auto Insurance. I have been a customer for over 25 years. Last year, another AAA customer hit me while I was waiting for a stop light to change. It was 100% her fault. Because we both had AAA I was treated so poorly because obviously they were going to have to pay out. The first representative who called me right after the accident was someone representing the person who hit me - I received no contact from anyone representing me. The person who called me just said they were from AAA - didn't make it clear that they were there to protect AAA - not me. He actually had the audacity to discourage me from using a medical device my doctor had given me to use. He gave me zero advice on how to be assured I had the documentation I would need to get a fair reimbursement for my loss of income as well as medical expenses.

Then the person who was working on the actual claim kept on losing documentation that was sent to her. She kept on saying she didn't receive doctors' documentations, etc when both doctors assured me they had sent my records several times. I could go on forever but this is a cautionary tale - make certain that if you know you will have to go through a claim with AAA - RUN RUN RUN to an attorney before you EVER talk to anyone at AAA. They have done everything to make this experience a living hell. They never once offered assistance or information on what they would need for me to get a fair claim.

I lost over a year of employment and will not receive reimbursement for that loss of work due to the way my doctors did not document their evaluations - so be sure you have an attorney monitoring your doctors and the insurance company. And by all means do not ever believe that AAA is on your side - because they are not!!! DOCUMENT EVERYTHING!!! BUT GET PROFESSIONAL SUPPORT (AN ATTORNEY) BECAUSE AAA WILL NOT HELP YOU!

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Reviewed July 25, 2017

On July 7, an individual insured by Automobile Club Insurance side-swiped me. The police officer on the scene called not only Automobile Club Insurance to ensure that his insurance was valid, but also checked mine. Both were deemed valid. The other individual was issued a citation for improper lane change so I called his insurance company that afternoon and filed a claim. Again it was determined that his insurance was valid and not only did they file the claim, but they sent out an adjuster that following Monday, July 10, to do an estimate for the damage. The adjuster told me that I should have it later that afternoon so that I could take it to the body shop and they could get the parts ordered.

Didn't get it that afternoon, didn't get it Tuesday, so I called the claims person on Wednesday and asked her when I would receive the adjustment so I could take it to the body shop just for her to tell me that she had been notified that the individual's insurance with them had cancelled due to non-payment on July 5th, 2 days before the accident but that she couldn't send me anything as she had requested a copy of the letter that was sent to him with that cancellation date. So I called her on that Friday, she said she had received the letter and had submitted a denial letter that had to be sent up to her supervisor for approval and that she couldn't send it until she got it back. I had to file a claim on my insurance. I have a $1000 deductible, but if they send the denial letter, then the claim falls under uninsured motorist and my deductible is waived.

My insurance rep has called multiple times and still has not received the letter. So I called them today, 7/25 and spoke with the claims rep who was extremely rude and told me that she told me she was denying the claim and that I needed to have my insurance fix my vehicle. I told her I didn't have the $1000 deductible and that all I needed was the denial letter and that deductible would be waived. She then rudely said she would send them a note saying it was denied. The whole issue is very circumspect to say the least. I would never recommend this company. If I could find where to file an official complaint so that someone officially looks into the issue of suddenly that individual's insurance was canceled 2 days prior and that he didn't get a ticket for no insurance because they said he was covered, that would be great. I think this company is probably lying.

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Reviewed May 2, 2017

On 5/1/17, I received a Renewal Notice from the Automobile Club of Southern California at my Nevada address. Having recently moved from California to Nevada, I thought I'd call and have my membership transferred from California to Nevada as a part of the renewal process. I thought it a bit odd that I should receive a Membership Renewal for Southern California at my Nevada address since I had not notified them of an address change. Then, I concluded that AAA must have automatically changed my address based on a Life Insurance Policy I have with them (on which I did submit an address change).

I called the 800 number for membership services. After navigating through the non-live person phone tree, I was finally connected to a live individual. After asking for my membership number, etc., this person said they were in the Northern California AAA office and could not help me, but would transfer me to the Southern California office. Instead, I was put back into the automated phone tree, put on hold awaiting a live person. When the call was finally answered, it was the Insurance Division of AAA. I explained to them what I was trying to do (simple renewal and transfer) after giving them all my information for the SECOND TIME. Again, I was told by this individual that they would transfer me to someone in the Southern California AAA Membership Office that could help me. 5 seconds later, I was back into the original automated phone tree where I originally started.

We are now at the 15 minute mark of being on the phone, navigating the phone tree, being on hold, or being transferred to the wrong location for a simple membership renewal and transfer. Back through the phone tree and on hold, finally getting in touch with a live person in the Southern California AAA Membership Office. They said they would be glad to help me with the membership renewal and transfer, although they said that the Nevada is a separate business entity, but under the nationwide AAA umbrella. They said they would call Nevada AAA and give them my information if I would hold... 5 seconds later, I was back in the original automated phone tree. In the phone tree this time, I punched "0" and waited for someone to come online while holding.

When I finally got a live person, it was the Membership Division (a different person this time). They asked for my membership number which I provided (for the 4th time) and asked how they could help me. I stated that I wanted to renew my Membership and transfer it from the Southern California AAA to the Nevada AAA. I was told by this person (I assume working in the same office as the previous person) that she could not help me with that--that I would have to contact Nevada AAA and join them as a new member (been 14 years with the AAA Southern California). I told this person that the previous person I spoke with said this COULD be done in their office and was in the process of helping me do it when I was disconnected and placed back into the automated phone tree. The current person insisted that she could not help me with the membership issue.

We are now at the 30 minute mark of time spent on the phone: dialing, going through phone trees, being mis-transferred, talking to at least 4 different people, and losing ALL PATIENCE. So, I told the person that I was speaking to that I will not be rejoining such an inefficient, time-wasting, ridiculous organization as a member. I gave her my membership number and told her to CANCEL my membership immediately... and in the process, was put back into the original automated phone tree!!!

If you are thinking of joining the AAA in California, Nevada, or anywhere else, you will probably be time and money ahead by simply paying for services (towing, etc.) as you need them, rather than subsidizing an organization so disconnected from each other and its membership base as the AAA is. As of 24 hours later, I have received no follow-up telephone calls from anyone at the AAA about this issue. I'm assuming the last person I spoke with did not even inform a supervisor of a membership problem that needed to be looked into. GREAT CUSTOMER SERVICE!!!

The reason I am providing this review is to let others know that the AAA is apparently unable to provide simple membership services via telephone--and to alert others to the high level of inefficiency in this organization. At one time, the AAA was the epitome of automobile services organizations. IMO, this is no longer true.

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Reviewed Feb. 27, 2017

Got a flat while I was at work, didn't notice until 9:30pm when I was off. I called for a tow home, they said it would be 45-1 hr. I called in an hour and they said another hour. And I kept calling every hour on the hour and finally at 2:30am I called all pissed off and tired and they finally told me they were having trouble getting one of their contractors to come out. I had to call my Brother to get my truck in San Clemente and drive over the toll road to Perris to pick me and my motorcycle up and drive me home. It was past 4am by the time I was home. I felt super bad for him. He had to work the next day so I gave him gas money for my truck and his time. I asked for someone to follow up with me and they keep calling at bad times and never answer when I've called back during business hours.

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Reviewed Feb. 23, 2017

Congratulations Auto Club! You've turned me from a loyal, long term customer to a spokesman shouting from the roof tops against you. Sadly, if you only knew, I'm the absolute last person to post a reply, let alone a negative one with regards to a company I once esteemed highly. I'll keep it short. My wife and I purchased a home and were looking to insure it through AAA and combine it with our existing auto. Respectfully, AAA declined insuring the home given our location fell just outside of AAA's deemed fire hazard comfort zone. No problem. I quickly found that practically every other reputable insurance company greeted our needs with open arms.

Sat down face to face with our AAA agent, Matthew **, San Clemente and updated him that we decided on State Farm for our homeowners insurance and wanted his direction as to how to proceed regarding our auto. In person, and this is what really infuriates me, it was decided and agreed on in his office cubicle that it obviously was advantageous to “bundle” our auto and homeowners with the new provider, State Farm, given AAA declining to insure our home. The plan was simple, rather than cancelling, let the remaining paid term of auto coverage go until it expires and not renew. Upon expiration, establish new auto coverage with State Farm and we're good. Not quite.

Months pass, AAA renewal notifications/bills steadfastly arrive in the mail. I purposely disregard not opting to renew. AAA notices continue well past the expiration date, which apparently is as inconsequential as Obama’s red line... Open one belabored notice to find as if they were pardoning me for not renewing, keeping the policy active assuming my non-renewal was not sufficient. Hindsight, I should have contacted AAA agent Matt at this point to ensure we’re still on the same page, not renewing the policy even though AAA’s billing didn’t coincide. A collection agency mailing and a phone call now greets me on AAA’s behalf. I supposedly owe them for keeping my policy open. What?! Call agent Matt, how, what, where... please fix this. Nope. Per Matt, I'm liable for the months they continued billing me after expiration?!? Unbelievable! Who does business this way?

Bottom line, I paid the extortion to protect my credit. Interestingly, I start to mention this whole shady billing scenario to my State Farm agent and to my surprise she basically finished my sentences as to what played out as she enumerated on the multiple times she had heard this from prior AAA insurance customers. Wow, you got me! Never again AAA! So agitated with your lack of ordinary principle I no longer want any form of association. I intend to not renew my wife and I’s AAA memberships. Sadly, I’m wondering now if they’ll let me cancel without this whole fiasco repeating itself?!

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Reviewed Jan. 29, 2017

We are very disappointed with the AAA. After 46 years of membership. We feel we have been treated unfairly. All of a sudden this year when we filled out our mileage survey, we happened to list our adult son as an additional driver. He only drives on occasion. And in case of emergency, he would be covered. He has his own insurance, and would not need to be listed on ours. We talked to the AAA representative and explained our side of this. And were advised that we would need to sign a form of exclusion. Or pay $250 to include him on our policy. We have tried honestly, to explain our side and have been threatened of cancellation. Actually, unfortunately, we have been cancelled. We have no other option than to go with another Insurance Company. We remain very disillusioned.

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Reviewed Jan. 10, 2017

Had auto insurance through ACSC for 44 years. I was thanked for my loyalty each time I called their agency. Unfortunately loyalty is a one way street with the Auto Club. In all of the years I've had the auto coverage I had 2 accidents both of which were (last one in 1991) paid by other party due to being their fault. Note I've been paying $3300 per year for auto insurance which includes 2 daughters.

Last September I experienced a second homeowners claim. After paying homeowners insurance for 19 years at $1000 per year, my insurance was cancelled. The claims totaled $13000 so my calculation was the ACSC was still ahead. When I called to submit the second claim I specifically asked the adjuster if I would be cancelled and she assured me that it wouldn't affect my insurance. I would have gladly paid the money to avoid being cancelled. I was instructed to repipe home or get an expensive coating and they would consider coverage, but immediately I was cancelled. Also I was promptly sent a bill for no longer having a multi policy.

Due to this bad experience I decided to cancel my auto insurance (Also my annual insurance went up to $3900 so it appears they were trying to make up for my property insurance). They took my 44 year membership cancellation with no questions asked. They promptly refunded the rest of my year. So the moral to this story is you can be a loyal customer paying thousands of dollars per year however if you make a claim you will be cancelled.

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Reviewed Nov. 7, 2016

Recently I've become aware of an employee of AAA Auto Club (Los Angeles) looking up my driving record along with other personal information. Then exposing my private information to the public. I am certain that the same employee is responsible for identity theft.

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Reviewed Aug. 11, 2016

I went to AAA because they claimed that they will save me money on my car and home insurance policy. I met with Anthony ** from AAA who told me that he will work everything out for me and I will be good to go. I believe he was sincere at the time. However, I had an issue with having him reschedule/forgetting to follow through with going to my home to take pictures for the home insurance. I finally set up 3 weeks in advanced an appointment that he also failed to show up to. I finally sent him an email letting him know how disappointed I was and he told me that I still have home insurance (even though I received a letter from AAA stating that my home insurance coverage was going to be dropped due to lack of pictures).

I called and complained and was reassured my policy was not going to cancel. Yesterday, I got a check in the mail with a refund of prorated amount from the policy and I have yet another appointment for this coming August 15th for them to take pictures!!! I guess no one knows what is going on and my home now officially is not insured. Thank you AAA!!! I am going to make sure people know my story and not to do business with AAA ever again!

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Reviewed May 24, 2016

We had a auto and homeowners bundle policy for 17 years thru a national insurance company, but decided we were paying too much now. We researched and found that AAA (Auto Club of So. Cal) have better rates and a supposedly good reputation. We switched, signed up. Our previous policy with the other company was still active until Feb. 16th for auto and Mar. 16th for homeowners. Just before our homeowners policy came into effect we were told that AAA needed to come out and take pictures of the kitchen, bathrooms, and outside perimeter of the house. This was done. About a month later our AAA rep emailed us that said we had some storage containers too close to the house and need them moved and he would have to take more pictures after we moved them. We did this and he came back out to take more pictures.

Now, after the policy had been active for 2 months we were told that our patio, which was permitted and built back in 1972, did not meet their specification because it was built on a concrete slab and had a brick foundation and they were going to cancel our policy. We didn't understand how home improvements that were permitted, inspected and passed back in 1972 were not OK now in 2016? It's funny because our previous carrier had no issues with the construction and we got that policy in 1999.

So be very careful who you choose for your insurance carrier, because you may think you're getting a good deal, and have coverage, then find out in a few months you suddenly have no coverage at all and need to find another carrier ASAP to make sure you don't have any gaps in coverage. God, knows how our mortgage company is going to react if we aren't able to get new coverage in time. So, final words, don't trust AAA, it's better to go somewhere else for your insurance needs!

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Reviewed April 23, 2016

I filed claim with ACSC for an accident Nov 2013. Was told by them I could get it at a later date and to see I could get car fixed. I was told yes I could. When I called Feb. 2015 ACSC claim person MR Dan **. When he first called and requested what shop I asked to got to he never send info to the shop. And when he got the info right the shop Sam's Autoland lied about a abs light they saw but later claimed I never requested to get checked out at drop off which I did. They asked me did I get it checked out as they called it a misunderstanding later and then "if you bring it we will take it to a dealer to get it checked this but it would be a charge". This all happened after the fact. On day I picked up the car and had made plans to take to a dealer for maintenance if and when I told this to Sam's mgr. Andrew ** he replied "why am I doing this". And I called Mr ** 445. He was out of office and call after hours service. Was told a claim person would be available.

I called. Nobody was available. Mr ** call Monday ask me what I wanted. I replied "my car fixed". He got called them. He called back. I was told it was a misunderstanding. They could take it if I drop it off at the Sam's". I replied "I could done that on the day of pick up". I call Mr ** boss Heather **. She said "we can't do nothing about it". I said Mr ** and Sam's to me didn't handled the claim correctly. I said to her "If I other issues Ms **. She would did. I call her bosses said she would and I ask on do I have go back the Sam's. She said yes. Later a year on I had different issue with claim. I called Ms **. She never called back. On 2 /2016 I had another issue with claims. I called MR **. Never got a call back. Three days later I called claims ask who's handling my case. I was told Dan **. I spoke to claims dept. told I had another issue. He called back same day. I voiced my unhappiness with this claim. He said "I sorry".

He later said "I get you over to a claim specialist". And after the issue was took care of I asked "will you be taking over for future concerns". "The specialist would." In all my years with this company I never had a claim this poorly handled so I wrote to the California Dept. Insurance. They Sam's Autoland. I never get abs light checked and said I refused to let them but told them yes did. They didn't want to pay for the abs light check that is my feeling is.

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Reviewed Jan. 6, 2016

I was in a very small accident where a girl backed into my car. It was a he-said-she-said situation. She filed a claim and I reported the accident to AAA. The claims adjuster notified that it would be a 50/50 which in turn said that it would not raise my rates and the deductible would be waived. I was OK with this. Then another adjuster called and asked for pictures of the damage to my car. I sent them. Then they saw that the damage would be less than the deductible so they settled the claim at 51% my fault. This, in turn, made me cover the deductible. So AAA had to pay NOTHING! For some reason, they all of the sudden believed the other driver. I have been with AAA for 40 years and never had a claim. Now they will raise my rates. I think it is time to find another insurance company.

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Automobile Club of Southern California Company Information

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Automobile Club of Southern California