Compare AAA vs. AIG Insurance

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AAA and AIG are two fierce competitors in the insurance industry. Founded in 1902, AAA got a 17-year jump-start on AIG, which wasn't founded until 1919. AIG may be the top-ranked commercial insurer in the US and be well liked due to its variety of insurance products, but AAA is at the top of the heap for roadside assistance services.

However, AAA only allows customers four service calls before they charge a fee for roadside assistance, while AIG is such a big company it's hard for customers to connect personally with agents. Still, both companies have great financial ratings, including A+ ratings from A.M. Best. So which one offers the kinds of discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.

Best If/Worst If

  AAA AIG
Best If AAA
  • You want excellent roadside service
  • You want to easily access information from the website
AIG
  • You want a wide selection of insurance products
Worst If AAA
  • You constantly need service calls; AAA only provides four service calls per cardholder per year, and anything beyond that costs extra
AIG
  • You want to establish close, strong relationships with your insurance agent--the company is so big that forming connections can be difficult

Special Car Insurance Discounts

AAA AIG
AAA

Another special feature of AAA is that it offers discounts in almost any category you can imagine. At participating establishments in your state, you can get Triple A discounts in the areas of:

  • Automotive
  • Dining
  • Entertainment
  • Financial
  • Health
  • Insurance
  • Lodging
  • Services
  • Shopping
  • Travel
AIG

AIG provides roadside services such as gas, oil, tire, or battery replacement. It also covers labor expenses and delivery costs up to a certain amount. 

Standard Car Insurance Discounts

Bundling Coverage Discounts AAA AIG
Multi-Car
Home and Car
Car and Life
Vehicle Type and Safety Features AAA AIG
Alternative Fuel
Electronic Stability Control (ESC)
Anti-Lock Brake
Anti-Theft
Passive Restraint
New Car
Economy Car
Utility Vehicle
Farm or Ranch Vehicle
Driving Record and Insurance History AAA AIG
Accident Free/Good Driver
Prior Insurance
Long Term Policy Holder
Defensive Driving Course
Student, Professional, and Club Memberships AAA AIG
Affinity Group
College Graduate
Good Student
Resident Student
Organization or Club Membership
Farm Bureau Member
Military
Special Circumstances AAA AIG
Telematics Device
Low Mileage
Short Commute
Days Per Week Driven
Other Discounts AAA AIG
Married
Paid in Full
Advance Renewal
Electronic Funds Transfer
Senior Driver
55 and Retired

Consumer Complaint Data

AAA Car Insurance AIG Insurance
2016 11
2015 29
2014 22
2013 17

U.S. Auto Insurance Shopping Study (2016)

AAA Car Insurance AIG Insurance
Overall Purchase Experience Average
Policy Offerings Average
Pricing Average
Local Agent Average
Call Center Representative Above average
Insurer Website Average

U.S. Auto Insurance Claims Satisfaction Study (2015)

AAA Car Insurance AIG Insurance
Overall Satisfaction Above average
First Notice of Loss Above average
Service Interaction Above average
Appraisal Average
Repair Process Among the best
Rental Car Experience Above average
Settlement Above average

Financial Strength Ratings

AAA Car Insurance AIG Insurance
A.M. Best A+ A-
Moody's -- A1
S&P's A A+

Mobile Apps

AAA AIG
AAA

AAA Mobile app grants you access to tons of exclusive member discounts at over 164,000 locations. You can also request roadside assistance from your mobile device as well as instant battery quotes. Download the AAA Mobile app here.

AAA eTourBook Guides provide members with great travel information for top travel destinations in the US.

AIG

Roadside Assistance

AAA AIG
AAA

AAA Roadside Assistance

AAA is best known for its roadside assistance and emergency road service. With the Emergency Road Service (ERS), AAA members can request help at any time.

ERS offers the following roadside services:

  • Accident Towing
  • Battery Service
  • Emergency Towing
  • Flat Tire
  • Fuel
  • Lock Out
  • Winching
  • Bicycle Service

Contact Phone Number

When you call the ERS number (1-800-AAA-HELP/1-800-222-4357), you’ll need to provide the representative with the following contact information:

  • Name
  • Membership number
  • Membership expiration date
  • Phone number
  • Vehicle type
  • Exact location
  • License plate number
  • Nature of difficulty
  • Tow destination
AIG