AAA vs EMC Car Insurance

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4.8 Rating

2,700 Reviews

12 Million

Quotes

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Last Updated: January 2022

Ratings

Insurify Composite Score

AAA
85
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Insurify Composite Score

EMC
Not Rated
What is this?

Insurify Composite Score

AAA VS EMC
85
Not Rated
What is this?
User Ratings
OptionsAAA EMC
Rating/Reviews
411 reviews
1 reviews
U.S Auto Insurance Shopping Study (2018)
OptionsAAA EMC
Call Center RepresentativeThe rest--
Insurer WebsiteThe rest--
Local AgentBetter than most--
Overall SatisfactionAbout average--
Policy OfferingsAbout average--
PricingAbout average--
U.S Auto Insurance Claims Satisfaction Study (2018)
OptionsAAA EMC
Claim ServicingAbout average--
Estimation ProcessThe rest--
First Notice of Loss (FNOL)The rest--
Overall SatisfactionAbout average--
Rental ExperienceAbout average--
Repair ProcessBetter than most--
SettlementAbout average--
J.D. Power Ratings by Region (out of 1000)
RegionAAA EMC
California840 pt
Better than most
--
Central833 pt
Better than most
--
North Central808 pt
The rest
--
Texas821 pt
About average
--
Mobile App Ratings
RegionAAA EMC
Android
24,330 Reviews
--
iOS
737 Reviews
--
Financial Ratings
OptionsAAA EMC
A.M. BestA--

Quotes & Discounts

Discount typeAAA EMC
Farm VehicleUp to 59%--
Student Away at SchoolUp to 30%--
teenSMARTUp to 24%--
Good DriverUp to 20%--
Anti-Theft DeviceUp to 17%Varies
Good StudentUp to 14.5%Varies
Multiple VehicleUp to 12.5%Varies
Multiple PolicyUp to 11.8%Varies
Advance shopperUp to 10%--
Good CreditUp to 10%--
New CarUp to 10%--
Paid in fullUp to 7.8%--
Current insuranceUp to 5%--
LoyaltyUp to 5%Varies
Affinity groupVaries--
Anti-lock BrakeVariesVaries
Driving trainingVaries--
Home OwnerVaries--
Low MileageVaries--
Original OwnerVaries--
Accident Free--Varies
Claims Free Renewal--Varies
Defensive Driver--Varies
Passive Restraint--Varies
Preferred payment--Varies
Senior Adult--Varies

Payment Methods

Discount typeAAA EMC
Automatic Online Payment
yesyes
Bank Payment/Direct Deposit --yes
Credit Card Payment yesyes
Debit Card Payments yesyes
Electronic Check
yesyes
Mail Payment
--yes
Online Payment
yesyes
Person 2 Person Payment --yes
Phone Payment
--yes

Features and Services

Features and ServicesAAA EMC
24/7 serviceyes--
Enhanced towing & substitute coverageyes--
Flexible / convenient payments--yes
Mobile appyes--
Online account managementyesyes
Policy bundling discountsyes--
Roadside assistanceyesyes

Optional Coverages

Optional CoveragesAAA EMC
Accident Forgiveness
yes--
Accidental Death, Dismemberment, Disability
yes--
Electronic Key & Lock Replacement
yes--
Emergency Assistance Coverage
yesyes
Emergency Lockout Coverage
yesyes
First Aid Reimbursement
yes--
Gap Insurance
yes--
Glass Coverage yes--
Mechanical Breakdown Insurance
yes--
New Car Replacement Coverage
yes--
Pet Coverage
yesyes
Preferred Repair Services
yes--
Rental Reimbursement
yesyes
Roadside Assistance
yesyes
Umbrella Policy
yes--

Compare Insurance Products

ProductAAA EMC
Car InsuranceCar Insuranceyes--
Business InsuranceBusiness Insurance--yes
Home InsuranceHome Insuranceyes--
Life InsuranceLife Insuranceyesyes

User Reviews

  • AAA Reviews
  • EMC Reviews
3.8
5 Stars
45 %
4 Stars
20 %
3 Stars
15 %
2 Stars
7 %
1 Star
13 %

Most Positive Review

By Danielle
Their customer service, things they offer, and their quality of service is all around amazing.

Most Critical Review

By Melanie
Terrible insurance service. Constantly canceling policy for no reason and it takes a long time to get it back despite consistent monthly payments.

All Reviews

Showing 1 - 10 out of 411 Reviews
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Read reviews that mention

Joshlynm
I am happy I switched to AAA i was with ACC but I am paying way less at AAA 95 for 2 cars unsure morturess and ACC was 140
Peter
Cheaper than Progressive
Susan
My agent,Jeremy was very helpful. However,I am heartbroken that I have to go insurance shopping again b/c AAA does not insure rideshare drivers!!! :(
Paul
No worries with aaa, but expensive
Sharon
Member for 63 years. Service is top notch!
kenneth
ALWAYS PAID CLAIMS AND GAVE GOOD SERVICE. LOCAL KIOSKS ARE GREAT.
Wendy
Customer service and the fact my rate went UP rather than lower!
Joan
I like them but to expensive
Valerie
Some of the Agents have been disrespectful towards me concerning the amount that I pay for full coverage. Been with AAA four years. I had to pay a fee when I switched from liability back to full coverage. Just not satisfied with how I have been treated.
Inkook
Showing 1 - 10 out of 411 reviews

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.