AAA and Esurance both specialize in selling auto insurance policies at comparable yet competitive rates. AAA has been widely known for a little over a century. And Esurance has achieved almost equal recognition and popularity in just under 20 years. Both companies offer equally attractive varieties of auto discounts, but when it comes to roadside assistance, AAA has Esurance beat. AAA’s comprehensive and complex three-tier system provides all roadside services.
Esurance’s roadside assistance program only pays up to $75 per incident, and you may need to have comprehensive and collision coverage in order to add it to your policy.
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.
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:
There are a few discounts unique to Esurance that stand out. We’ll provide you with more information on these discounts below.
This discount gives you 5 percent off of your first-term premium for auto insurance. All you have to do to get this discount is start a quote online at esurance.com.
This discount saves you 10 percent off your premium if you pay the full amount instead of monthly payments.
This discount saves you up to 5 percent off your premium for the first two policy terms. You can get this discount when you switch to Esurance from your current insurer.
You can get this discount when you buy emergency road assistance from a different provider like AAA. It can can save you up to 5 percent on your premium.
You can get this discount if you attended or are an alum of a Pac-12 school.
Comparing quotes is the best way to get your lowest rates from top insurers like AAA and Esurance. QuoteWizard is an independent company that helps you find your right policy at your best rate.
| Bundling Coverage Discounts | AAA | Esurance |
|---|---|---|
| Multi-Car | ||
| Home and Car | ||
| Car and Life | ||
| Vehicle Type and Safety Features | AAA | Esurance |
| 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 | Esurance |
| Accident Free/Good Driver | ||
| Prior Insurance | ||
| Long Term Policy Holder | ||
| Defensive Driving Course | ||
| Student, Professional, and Club Memberships | AAA | Esurance |
| Affinity Group | ||
| College Graduate | ||
| Good Student | ||
| Resident Student | ||
| Organization or Club Membership | ||
| Farm Bureau Member | ||
| Military | ||
| Special Circumstances | AAA | Esurance |
| Telematics Device | ||
| Low Mileage | ||
| Short Commute | ||
| Days Per Week Driven | ||
| Other Discounts | AAA | Esurance |
| Married | ||
| Paid in Full | ||
| Advance Renewal | ||
| Electronic Funds Transfer | ||
| Senior Driver | ||
| 55 and Retired |
| AAA Car Insurance | Esurance Auto Insurance | |
|---|---|---|
| 2016 | 48 | |
| 2015 | 67 | |
| 2014 | 47 | |
| 2013 | 43 |
| AAA Car Insurance | Esurance Auto Insurance | |
|---|---|---|
| Overall Purchase Experience | Average | Average |
| Policy Offerings | Average | Average |
| Pricing | Average | Average |
| Local Agent | Average | Average |
| Call Center Representative | Above average | -- |
| Insurer Website | Average | Among the best |
| AAA Car Insurance | Esurance Auto Insurance | |
|---|---|---|
| Overall Satisfaction | Above average | Below average |
| First Notice of Loss | Above average | Below average |
| Service Interaction | Above average | Below average |
| Appraisal | Average | Below average |
| Repair Process | Among the best | Below average |
| Rental Car Experience | Above average | Below average |
| Settlement | Above average | Below average |
| AAA Car Insurance | Esurance Auto Insurance | |
|---|---|---|
| A.M. Best | A+ | A+ |
| Moody's | -- | -- |
| S&P's | A | -- |
|
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. |
Esurance
Esurance MobileThis app lets you take care of your insurance anytime and anywhere. View your insurance ID cards, file a claim, track claim status, and pay your premiums directly from your mobile device. Esurance Mobile makes managing your insurance fast, smart, and easy. Click here to download the app for iPhone or Android. |
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:
|
Esurance
Esurance Emergency Road Service coverageEsurance offers free roadside assistance 24/7. The company pays up to $75 per incident toward:
Roadside assistance is free if you select comprehensive and collision coverage for a vehicle on your insurance policy. Emergency Road Service offers free rescue tracking. It uses your smartphone to give the service provider your exact location. It will also give you updates on their ETA. Emergency Road Service is only eligible for Esurance covered vehicles. Roadside Assistance Phone: 1 (888) 374-6472 |