Is a AAA Membership Worth It? Benefits, Costs, and How It Can Save You Money.

Benefits, costs, and how a AAA Membership can save you money. When it comes to peace of mind on the road, few things compare to the security of a AAA Roadside Assistance Membership. Whether you’re a daily commuter, a weekend road-tripper, or someone who just wants to be prepared for the unexpected, a AAA membership delivers reliable service and real savings. Here’s why it might be worth every penny—and then some. 

What Are the Main Benefits of a AAA Roadside Membership?

A AAA membership grants you access to one of the most trusted roadside assistance programs in the country. Whether your car breaks down, runs out of gas, gets a flat tire, or you accidentally lock your keys inside, AAA has your back. Their service is fast, professional, and highly rated across the board. 

But one of the lesser-known benefits? You may be able to skip adding roadside coverage to your auto insurance policy altogether. By relying on AAA for these needs, you not only get better service but also reduce the number of claims on your insurance—a win-win! 

How Does AAA Roadside Assistance Compare to Other Options?

Simply put: there is no comparison. AAA’s towing and roadside support typically arrive faster than most insurance-provided roadside services. Many members report significantly shorter wait times, especially in urban and suburban areas. When you’re stuck on the side of the road, every minute counts—and AAA consistently delivers. 

What Services Are Included?

Your membership includes a wide range of essential services: 

• Towing

• Battery jump-starts

• Fuel delivery (when you run out of gas)

• Vehicle lockout service

There are limitations depending on your membership tier (Classic, Plus, or Premier), such as how far your car can be towed for free. But even at the base level, the coverage is generous and dependable. 

What’s the Cost of a AAA Membership?

Pricing can vary slightly depending on your region and current promotions, but in general, a AAA membership ranges from $60 to $96 per year. That’s a small price to pay for year-round peace of mind—and considering the cost of a single tow without a membership can be over $100, it often pays for itself after just one use. If you have a current AAA home or auto policy, AAA will give you a discount for being a member! Reach out to learn more. 

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Can AAA Membership Affect Your Auto Insurance?

Here’s where things really get interesting: filing a tow or jump-start through AAA does not count as a claim on your auto insurance. However, using your insurer’s roadside assistance might. Over time, too many roadside claims can increase your premium. 

By using AAA instead, you keep your insurance record clean—potentially saving money in the long run. 

Real-Life Example: A Win-Win for Coverage and Savings

One of our clients recently signed up for a AAA membership at just $60 per year. That simple decision allowed him to remove roadside assistance and apply the discount to his home and auto bundle—saving around $200 annually. Plus, as a AAA member, he qualified for additional discounts on both his home and auto insurance policies. 

The savings were real. The peace of mind? Priceless. 

It’s important to note: simply having a AAA membership does not automatically qualify you for these discounts. To receive the additional savings, your home and auto insurance must also be with AAA.

Final Thoughts

While it may seem like a small expense, a AAA Roadside Membership is an investment in your safety, your time, and even your wallet. Whether you want faster service, fewer insurance claims, or just a smarter way to protect yourself on the road, AAA delivers in every way that counts. 

If you’re considering making the switch or want help reviewing your current insurance coverage to see how a AAA membership could benefit you, we’re here to help. 

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