CSAA Car Insurance Review 2023

CSAA Car Insurance Review 2023

CSAA Insurance Group: A Solid Choice for Car Insurance

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CSAA

When it comes to car insurance, CSAA Insurance Group, also known as AAA car insurance in certain states, offers solid coverage and unique membership perks. However, it may not be the cheapest option available. Let’s dive deeper into what CSAA Insurance provides and if it’s the right fit for you.

CSAA Insurance: An Overview

CSAA Insurance Group is an AAA car insurance provider. AAA partners with regional providers that cater to customers based on their location. This means that if you have CSAA Insurance, you are essentially insured by AAA, with the specific provider determined by your location. CSAA covers drivers in 23 states and Washington, D.C.

AAA has a reputation for offering solid coverage options, unique membership perks, and roadside assistance. To access an insurance policy with AAA, you must be a member. Membership prices vary by region and start at $64.99 per year for drivers in states assigned to CSAA Insurance Group.

CSAA auto insurance is known for its straightforward coverage and above-average customer service. However, it’s important to note that quotes from CSAA are usually higher compared to similar providers. Despite the higher cost, CSAA Insurance Group is a popular choice among many drivers seeking reliable coverage and excellent customer support.

Types of Car Insurance Plans From CSAA

Most states require drivers to have liability-only car insurance coverage for bodily injury and property damage. CSAA Insurance Group offers coverage that meets the minimum requirements in each state. Additionally, CSAA provides optional coverage that can be added to ensure adequate protection in the event of a claim. The standard coverage options offered by CSAA are:

  • Liability: This coverage pays for medical expenses and vehicle repairs for the other driver if you are at fault.
  • Collision: If you are involved in an accident, this coverage pays for your medical expenses and vehicle repairs.
  • Comprehensive: This coverage pays for repairs if your car sustains damage due to events like theft, vandalism, or extreme weather conditions.
  • Uninsured motorist protection: If you are in an accident and the other driver does not have insurance, this coverage helps pay for your medical expenses and car repairs.

Additional Coverage Options From CSAA Car Insurance

In addition to the standard coverage options, CSAA car insurance offers additional coverage options and benefits. These include gap insurance, rental car reimbursement, new car replacement, and rideshare coverage. As an AAA member, you also have complimentary access to roadside assistance as a membership benefit. Many other insurers charge extra for this coverage, making it a valuable perk for CSAA policyholders.

How Much Does CSAA Auto Insurance Cost?

The cost of car insurance from CSAA is calculated based on several factors, including age, driving record, vehicle type, and location. It’s important to note that CSAA Insurance Group is often more expensive than comparable providers. Additionally, there is a mandatory membership fee, starting at $64.99 per year. However, CSAA Insurance offers various discounts that can help offset some of the costs. These discounts include reduced rates for bundling policies, owning a home, and paying your premium in full.

Furthermore, AAA membership comes with unique perks that are often more comprehensive than those offered by other providers. AAA members can access travel discounts, complimentary roadside assistance, and exclusive members-only DMV offices.

How to File a Claim With CSAA Car Insurance

If you are a AAA member with insurance from CSAA Insurance Group, you can file a claim by calling 1-800-922-8228. Claims representatives are available 24/7 to assist you. Alternatively, you can submit a claim online through your CSAA account.

According to JD Power’s latest US auto insurance claims satisfaction study, CSAA scored 871 out of 1,000. While this is two points below the industry average, it is higher than other well-known car insurers such as Nationwide and Progressive.

Frequently Asked Questions About CSAA Car Insurance

Why should you trust us? How did we review CSAA Car Insurance?

When reviewing insurance companies, we consider several factors including customer reviews, financial stability, coverage options, pricing, and availability. We compared CSAA Insurance Group to other providers such as GEICO, Progressive, and State Farm to create an unbiased auto insurance review. Additionally, we also considered newer providers like Root and Lemonade.

As you shop for car insurance, it’s important to gather quotes from at least three providers to compare pricing and find the best fit. You can also learn more about Insider’s insurance rating methodology to make an informed decision.

How does CSAA Car Insurance compare to other providers?

  • CSAA vs. Allstate Auto Insurance: Allstate is a reputable company that offers robust coverage options, a wide range of discounts, and additional coverage options beyond full-coverage car insurance. While CSAA requires an active AAA membership starting at $64.99 per year, Allstate offers a similar membership with roadside assistance and other perks, starting at $89 for the first year and $105 annually after that. However, you do not need to be a member to access insurance with Allstate.
  • CSAA vs. State Farm Auto Insurance: State Farm prioritizes competitive pricing and generous discounts, including a program that incentives safe driving. State Farm also has higher customer satisfaction ratings compared to similar providers. Although CSAA offers solid customer satisfaction, its standout features are roadside assistance and other membership benefits. With State Farm, roadside assistance is an optional policy, while AAA membership includes standardized roadside assistance for all members, regardless of whether they have an auto insurance policy.
  • CSAA vs. Lemonade Car Insurance: Lemonade, a relatively new insurance company, offers car insurance based on location and driving record. Their app allows you to track your driving to qualify for additional discounts. Lemonade and CSAA both provide standardized roadside assistance to policyholders, but Lemonade does not charge a membership fee for this service. Lemonade policyholders also have complimentary access to emergency crash assistance via the app.

CSAA Insurance Group is a solid choice for those looking for reliable coverage and excellent customer service. While it may not be the cheapest option, the unique membership perks and additional coverage options make it an attractive choice for many drivers. Consider comparing quotes from multiple providers to find the best car insurance that suits your needs.