AAA is a non-profit federation of auto clubs that also acts as an insurance agency. The company’s insurance arm has a few different names and is operated as separate businesses in each state. WalletHub’s research finds that they have good auto insurance rates, a robust mobile app, and excellent roadside assistance.

Auto Insurance

AAA auto insurance is offered through separate regional companies with local customer service and various policy options, discounts and mobile apps. The three main AAA car insurance companies are CSAA Insurance Group, Auto Club of Southern California and the Auto Club Group. They receive mixed reviews regarding policy offerings, customer service and claims processes. However, they offer a well-rated mobile app, and they are one of the few insurers with a disappearing deductible feature, where your comprehensive and collision coverage deductible decreases by $50 every year you are claim-free.

CSAA also offers an optional telematics program called AAA Drive that monitors driving habits, including speed, acceleration, and braking. This information helps determine a driver’s safety score, which can be used to reduce rates. WalletHub found that CSAA’s rates were competitive, and it is essential to compare auto insurance quotes before choosing a company. NerdWallet has a free tool to compare personalized auto insurance rates from dozens of providers. This is the best way to find a cheap rate and save on auto insurance.

Home Insurance

Home insurance, also known as homeowner’s insurance, is property insurance that protects your private residence against certain losses or damages. A standard policy includes coverage for your home’s structure, your personal belongings and more. The coverage amounts depend on your policy’s limits. Your home insurance may cover your property in the event of theft, fire, wind damage and more. It can also pay for expenses if you need to live elsewhere while your home is being repaired following a covered loss. Additionally, your policy may cover other structures on your property, like a detached garage, swimming pool and tool shed. It may also include personal liability coverage to pay for medical bills and other expenses if someone is injured on your property or if your pet causes an injury to someone else.

Home insurance companies use different rules to decide whether to sell you a policy and what premium to charge. This process is called underwriting. The underwriting process is why one company may sell you a policy while another doesn’t and why the procedures are usually so different.

When shopping around for a homeowners policy, ask about discounts each company offers. Frequently, these discounts, such as savings for a home alarm system or the ability to bundle policies, can make a big difference in your bottom line.