AAA vs Century Car Insurance for 2023

In the intricate landscape of auto insurance, finding the optimal coverage at the best rates hinges on a delicate balance of factors such as credit score, mileage, coverage level, and driving record. As we delve into the comparison between AAA and Century, two prominent insurance providers, a discernible pattern emerges. For those boasting a clean record, Century takes the lead with a rate of $80 compared to AAA’s $88. However, the scales tip differently for drivers with one or more tickets, accidents, or a DUI, where AAA consistently proves more economical. Moreover, individuals with a less-than-ideal credit score may find Century’s rates more favorable, suggesting that the best insurance company varies based on individual profiles and specific circumstances.

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver

AAA Car Insurance

Pros:

• Established Reputation: AAA has been in the insurance industry since 1902, offering a long-standing reputation for reliability and trustworthiness.
• Diverse Insurance Products: AAA provides a wide range of insurance products, including home, renters, and life insurance, giving customers the convenience of bundling multiple policies.
• Comprehensive Services: In addition to insurance, AAA offers services like roadside assistance, travel planning, and various discounts for members, enhancing the overall customer experience.
• Strong Mobile App: AAA’s mobile app is robust, allowing policyholders to file claims, retrieve policy documents, make payments, and request roadside assistance, enhancing customer convenience.

Cons:

• Premium Costs: Some customers have reported AAA’s premiums to be higher compared to other providers in certain states.
• Claims Process: While AAA is known for exceptional customer service, there have been occasional concerns about claim-related costs and processes.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Century Car Insurance

Pros:

• Affordable Rates: Century Car Insurance is praised for its budget-friendly premiums, making it an attractive choice for cost-conscious customers.
• Focused Coverage Options: Century specializes in car insurance, offering various coverage options such as liability, collision, and comprehensive, providing tailored solutions for drivers.
• User-Friendly Experience: Customers appreciate Century’s responsive customer service, easy-to-navigate website, and mobile app, simplifying interactions and transactions.
• Discounts: Century offers multiple discounts, including safe driver, multi-policy, and upfront payment discounts, providing opportunities for policyholders to save on premiums.

Cons:

• Claims Processing Delays: Some customers have reported occasional delays in claim payouts, highlighting room for improvement in the claims process.
• Limited Product Range: Unlike AAA, Century focuses primarily on car insurance, limiting the option to bundle policies for added savings.

Best Car Insurance Company: Century Car Insurance

In the battle between AAA and Century Car Insurance for the title of the best car insurance company, Century Car Insurance emerges as the victor when considering rates and what they offer. Here’s why:

Affordable Rates: Century Car Insurance has garnered a reputation for providing budget-friendly premiums, making it an attractive option for cost-conscious customers. This affordability can significantly impact your monthly expenses while maintaining robust coverage, a crucial factor in choosing car insurance.

Focused Coverage Options: Century specializes in car insurance, offering a variety of coverage options, including liability, collision, and comprehensive coverage. Their focused approach means that they have honed their expertise in this area, providing tailored solutions for drivers’ specific needs.

User-Friendly Experience: Century’s user-friendly website and mobile app simplify interactions and transactions. Accessing policy information, filing claims, and making updates is made effortless, enhancing the overall customer experience.

Discounts: Century offers a range of discounts, such as safe driver, multi-policy, and upfront payment discounts. These discounts provide policyholders with opportunities to save on premiums, further solidifying Century’s value proposition.

While AAA has its strengths, including a long-established reputation and diverse insurance product offerings, Century Car Insurance’s combination of affordability, focused coverage options, user-friendly services, and valuable discounts makes it the standout choice for the best car insurance company when rates and offerings are considered.

Your car insurance choice should align with your needs, and Century Car Insurance offers a well-rounded solution for drivers looking for quality coverage at an affordable price.

AAA

Founded in 1902, the American Automobile Association (AAA) originated as a roadside assistance organization and later expanded its services to include insurance. Over the years, AAA has grown into a multi-faceted organization providing a wide array of services beyond car insurance.

With a mission to be a reliable and trusted source of protection for its members, AAA has a rich history of catering to the needs of motorists. The organization’s long-standing presence in the industry has allowed it to establish a solid reputation for reliability and comprehensive offerings, including diverse insurance products, travel planning, and roadside assistance.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Auto-Owners 

Auto-Owners Insurance, founded in 1916, has a robust history rooted in its commitment to providing quality insurance products. Originally established as a group of insurance agencies, the company gradually expanded its operations and services. Auto-Owners focuses on offering a range of insurance solutions, including car insurance, home insurance, and business insurance.

With a mission to provide dependable coverage and personalized service, Auto-Owners has built a strong reputation for its customer-centric approach. Over the decades, the company has grown to become a well-respected player in the insurance industry, emphasizing stability, reliability, and a commitment to meeting the diverse needs of its policyholders.

Products and Services

AAA offers a range of insurance products in addition to car insurance, including home, renters, and life insurance. They also offer roadside assistance, travel planning, and discounts at various retailers. The cost of their services varies by state, but they offer competitive rates compared to other providers.

Century specializes in car insurance and offers a range of coverage options, including liability, collision, and comprehensive coverage. They also offer rental car reimbursement and roadside assistance. Their prices are competitive, and they offer discounts to drivers who have a good driving record, multiple policies, or who take a defensive driving course

Discounts

AAA offers a range of discounts to their customers, including a multi-vehicle discount, a good student discount, and a defensive driving discount. They also offer discounts to members of their auto club, which includes roadside assistance and other perks.

Century offers a safe driver discount, a multi-policy discount, and a discount for drivers who pay their policy in full upfront. They also offer discounts to drivers who take a defensive driving course. 

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Case Studies: AAA vs. Century Car Insurance

Case Study 1: John’s Experience With AAA Car Insurance

John, a long-time AAA member, had his vehicle damaged in an accident. He filed a claim with AAA and was impressed with their prompt customer service. AAA handled his claim efficiently and provided him with a rental car while his vehicle was being repaired. However, John found the premiums to be on the higher side compared to other providers in his state.

Case Study 2: Sarah’s Experience With Century Car Insurance

Sarah, a budget-conscious driver, decided to switch to Century Car Insurance due to their reputation for affordable rates. She had a minor fender bender and submitted a claim to Century. While she faced some delays in getting her claim paid, she appreciated Century’s responsive customer service and their user-friendly website. Sarah found Century’s rates to be significantly lower than other insurance providers in her area.

Case Study 3: Mark’s Comparison of AAA and Century Car Insurance

Mark, a driver with a clean record, wanted to compare AAA and Century car insurance options. He obtained quotes from both companies and found that Century offered a multi-policy discount for insuring his home and vehicles together. Although AAA provided excellent roadside assistance services, Mark ultimately chose Century due to their competitive pricing and the savings he could achieve with the multi-policy discount.

Claims Process Comparison: AAA vs. Century Car Insurance

Ease of Filing a Claim

AAA offers a range of convenient claim filing choices, including online submissions, phone assistance, and a mobile application. Century Car Insurance also offers contemporary and user-friendly claim filing methods, including online options and their mobile app.

Average Claim Processing Time

AAA places a strong emphasis on efficient claims processing and aims to deliver timely resolutions, which can vary depending on the complexity of each specific claim. Century Car Insurance is firmly dedicated to expeditious claim processing, with the precise processing time contingent upon individual circumstances.

Customer Feedback on Claim Resolutions

AAA is renowned for its exceptional customer service and professionalism in handling claims, although there have been instances where customers have voiced worries about the costs of premiums.

On the other hand, Century Car Insurance has garnered positive feedback for its responsive customer service, especially when it comes to processing claims online. Nonetheless, there have been occasional reports of delays in claim payouts associated with Century Car Insurance.

Comparison of AAA and Century Car Insurance Digital and Technological Offerings

Mobile App Features and Functionality

AAA boasts a robust mobile app that encompasses a wide array of functions. Policyholders can utilize the app to submit claims, retrieve policy documents, complete payments, and request roadside assistance, all within a user-friendly interface that elevates the overall customer experience.

Similarly, Century Car Insurance offers a contemporary mobile application that comes equipped with a range of user-friendly features. Customers can easily file claims, access policy details, and perform essential tasks through the app, which is thoughtfully designed to provide simplicity and accessibility.

Online Account Management Capabilities

AAA offers policyholders a user-friendly online account management platform through its web portal. This platform allows customers to easily access and review policy details, make necessary updates, and track the progress of their claims, providing a convenient way to maintain control over their coverage.

Similarly, Century Car Insurance provides policyholders with a user-friendly online portal for managing their policies. Through this platform, customers can efficiently review policy information, make updates as needed, and monitor the status of their claims, making it designed for effortless account management.

Digital Tools and Resources

Both AAA and Century Car Insurance offer a wide array of digital resources to aid customers in comprehending their insurance policies. These resources consist of educational articles and tools that assist in estimating coverage needs, ultimately enhancing policyholders’ understanding of the insurance options available to them.

Century Car Insurance similarly provides a range of digital materials and tools to empower customers to make informed decisions about their policies, encompassing educational content and coverage estimation tools.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Customer Reviews

AAA has a reputation for excellent customer service, and their customers appreciate the peace of mind that comes with their coverage. However, some customers have reported issues with the claims process and high premiums in certain states.

Century is a newer company, but they have received positive reviews for their user-friendly website and app, as well as their affordable rates. However, some customers have reported issues with the claims process and delays in getting their claims paid.

Conclusion

In conclusion, both AAA and Century offer competitive car insurance coverage, but their offerings and discounts differ slightly. Ultimately, the best choice for you will depend on your individual needs and preferences.

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption