AAA vs Century Car Insurance for 2023

Are you in the market for car insurance and wondering which provider to choose? With so many options available, it can be overwhelming to find the right one. In this article, we will compare two popular car insurance providers, AAA and Century, and help you make an informed decision.

Here are some interesting attributes of both companies:

AAA Car Insurance:

• AAA has been serving customers for over 100 years and is a trusted name in the insurance industry.
• They offer a range of services in addition to car insurance, including roadside assistance, travel planning, and discounts at various retailers.
• AAA offers discounts to members of their auto club.

Century Car Insurance:

• Century has a user-friendly website and app, making it easy to manage your policy and make claims.
• They offer a range of discounts, including a safe driver discount and a multi-policy discount.
• Century offers 24/7 customer support through their hotline.

Now, let’s dive into the comparison between AAA and Century car insurance.

History and Mission

AAA has been around since 1902 and started as a roadside assistance company. They expanded into insurance in the 1920s and have been providing coverage to customers ever since. AAA’s mission is to be a reliable and trusted source of protection for their members.

Century, on the other hand, is a relatively new player in the insurance industry, having been founded in 2018. Their mission is to provide affordable and reliable insurance coverage to drivers across the country.

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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. 

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.

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Claims Process Comparison: AAA vs. Century Car Insurance

Ease of Filing a Claim

• AAA offers multiple convenient options for filing claims, including online submissions, phone calls, and a mobile app.
• Century Car Insurance provides modern and user-friendly methods for filing claims, such as online and through their mobile app.

Average Claim Processing Time

• AAA prioritizes efficient processing and aims to provide timely resolutions, varying based on the claim’s complexity.
• Century Car Insurance is committed to prompt claim processing, with the exact processing time subject to individual circumstances.

Customer Feedback on Claim Resolutions

• AAA is known for excellent customer service and claims professionalism, though some customers have expressed concerns about premium costs.
• Century Car Insurance has received positive reviews for responsive service, particularly for online claim submissions. However, occasional delays in payouts have been reported.

Comparison of AAA and Century Car Insurance Digital and Technological Offerings

Mobile App Features and Functionality

• AAA offers a comprehensive mobile app with a wide range of features. Policyholders can file claims, access policy documents, make payments, and request roadside assistance via the app. The user-friendly interface enhances the overall customer experience.
• Century Car Insurance provides a modern mobile app equipped with various user-friendly features. Customers can file claims, access policy information, and perform essential tasks conveniently. The app is designed to offer ease of use and accessibility.

Online Account Management Capabilities

• AAA provides policyholders with a user-friendly web portal for online account management. Customers can review policy details, make updates, and track claims through this platform. It offers a convenient way to stay in control of coverage.
• Century Car Insurance offers a user-friendly online portal for policy management. Policyholders can efficiently review policy information, update details, and monitor claim progress. The platform is designed for easy account management.

Digital Tools and Resources

• AAA offers a wealth of digital resources to help customers understand their insurance policies better. These include educational articles and tools for estimating coverage needs, enhancing customers’ understanding.
• Century Car Insurance provides various digital resources to assist customers in making informed decisions about their policies. This includes educational materials and tools to estimate coverage requirements.

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.

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FAQ

Q: Does AAA offer roadside assistance?
A: Yes, AAA offers roadside assistance to their members, which includes towing, fuel delivery, and lockout services.

Q: Can I get a discount on my Century policy if I have multiple cars?
A: Yes, Century offers a multi-vehicle discount to customers who insure more than one car on their policy.

Q: How can I qualify for a safe driver discount with Century?
A: To qualify for a safe driver discount with Century, you must have a clean driving record for at least three years.

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.

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