AAA Homeowners/Auto Insurance

[Bryant]

Just rec'd a letter from AAA stating "only AAA Insurance offers home & auto coverage in one policy with one renewal date" and could realize a savings of $484/year.

Is anyone familiar with this type of package and if you've experienced a savings? Thank you in advance.

[Mikitv]

I do have home owners and auto insurance with AAA and have for years. They actually are two separate policies but I do get a discount for insuring both home and auto with them. Plus there are other discounts for air bags, anti lock brakes, home alarm systems etc. I shopped around last year with other companies and for the kind of coverage I have nothing could beat them for the insurance I have. Hope this helps.

[Bryant]

Yes, it does. Thank you so much for responding. :)

[chuckinca]

We have been with AAA auto and home insurance in Norcal for around 25 years.

Went to their office in SS and they sold us ASI homeowners Ins and Travelers Auto ? ? ?

Weird!



.

[Bryant]

That's really interesting. Those are my two existing insurers. I will be getting my quote early next week. Perhaps AAA can't beat my existing premiums. I will post the quote when I get it.

[Bryant]

Just got my quote:

AAA pkg quote: $1405 which breaks down to: $691 homeowners with a hurricane deductible of $3820 and golf cart; $714 (1) auto.

Existing policies: $1437 which breaks down to: $692 homeowners with a hurricane deductible of $500 (AAA couldn't offer that) and golf cart; $745 (1) auto.

Based on the hurricane deductible, I am staying with ASI for homeowner's and Traveler's for auto. AAA agent said they are both excellent companies.

As a matter of information, AAA cannot offer the combined pkg if your auto is not housed in FL for a minimum of 9 months.

[chuckinca]

Our ASI homeowners is about the same cost as yours (also with the $500 deductible for Hurricane - wish I could buy California Earthquake coverage even with a $10K deductable for double what the Fla homeowner's insurance costs!)

Our auto is $550 for six months - hard to compare without knowing all the coverage and limits, deductables, etc). Is your's for a full year - they told me they couldn't sell a auto policy for more than 6 months (???).

Might be because I was in a fender bender two years ago. Sitting stopped at a stop light and was rear ended. Somehow it got to DMV that I was at fault!


.

[Bryant]

Yes, mine is for the full year. Both drivers have clean records. Coverage (A&B) = $500M ea. accident; (C) = $5M ea. person; (D1) = $500M ea. accident. Collision/comprehensive deductible $200; extended transp. $30/day/$900 max. Auto 3 yr. old Hyundai Tuscon. Hope this helps.