Comparing quotes is the best way to get the lowest rates from top insurers like AAA and American Family. QuoteWizard is an independent company that helps you find the right policy at the best rate.
AAA and American Family are two top companies in the insurance industry. In fact, one site declared AAA the fifth-best auto insurance carrier of 2016 and American Family the sixth-best. Though AAA is number one when it comes to roadside assistance services, there have been complaints about the company’s timeliness in responding to incidents.
On the flip side, American Family has great additional coverage options and flexible agents, but its reach is limited and the company has issues with following up on claims and complaints. Still, both providers are financially strong and have good J.D. Power ratings.
So which one offers the discounts, services, and even customer ratings that best fit your car insurance wants and needs? Keep reading to find out.
| Best If |
AAA
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American Family
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| Worst If |
AAA
|
American Family
|
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AAA
Another special feature of AAA is that it offers discounts in almost any category you can imagine. Here are just a few of the Triple A discounts you can get:
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American Family
Teen Safe Driver ProgramAmerican Family's home website says its Teen Safe Driver program is proven to reduce risky driving behavior by more than 70%. It encourages parents to talk to their teens about how to practice safe driving. It also allows parents to see risky driving behaviors in order to correct them. Using in-car technology, you can record driving behaviors and receive feedback from professional driving coaches. It's a great incentive to drive more safely, especially for new and young drivers. Business Car InsuranceBusiness car insurance covers the car owner and his employees if/when his business is on the move. Classic Car InsuranceThis special policy allows classic car owners provides coverage that aligns with the car's value. American Family helps create a personalized policy that gives these cars the protection they need. |
| Bundling Coverage Discounts | AAA | American Family |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | AAA | American Family |
| 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 | American Family |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | AAA | American Family |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | AAA | American Family |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | AAA | American Family |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| AAA Car Insurance | American Family Auto Insurance | |
|---|---|---|
| 2016 | 33 | |
| 2015 | 32 | |
| 2014 | 18 | |
| 2013 | 9 |
| AAA Car Insurance | American Family Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | Above average |
| Policy Offerings | Average | Above average |
| Pricing | Average | Above average |
| Local Agent | Average | Above average |
| Call Center Representative | Above average | -- |
| Insurer Website | Average | -- |
| AAA Car Insurance | American Family Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Above average | Average |
| First Notice of Loss | Above average | Average |
| Service Interaction | Above average | Above average |
| Appraisal | Average | Average |
| Repair Process | Among the best | Average |
| Rental Car Experience | Above average | Above average |
| Settlement | Above average | Average |
| AAA Car Insurance | American Family Auto Insurance | |
|---|---|---|
| A.M. Best | A+ | A- |
| Moody's | -- | -- |
| S&P's | A | A |
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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. |
American Family
My AmfamAmerican Family Insurance’s main mobile app. It offers all the basics of the company’s website on your mobile device. So interacting with your insurance company or agent is just one touch away. Use it to contact or search for nearby agents, file or view an auto claim, and make insurance payments. The My Amfam app is downloadable for iPhone or Android here. DreamVaultThis app lets you store and keep an inventory of personal items securely to the cloud. You can even upload pictures and write descriptions of your items. If you need to file a claim, all your information on your belongings is right there in your hands. Download the DreamVault app here. |
AAA
AAA Roadside AssistanceAAA 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:
Contact Phone NumberWhen you call the ERS number 1-800-AAA-HELP (1-800-222-4357), you’ll need to provide the rep with your contact information:
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American Family
American Family Emergency Roadside ServiceService's include. mechanical labor at the site of breakdown, towing, delivery of gas, tire changing, jump starts, and battery charges. You can also get locksmith services if you’re locked out. Add this to your existing auto policy for help when your can is broken down. "Sign and Drive direct billing helps cover payments upfront. Roadside Services covered
Contact Phone NumberCall 1 (800) MYAMFAM (1-800-692-6326) |