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anyone else feel like AAA insurance isn't what it used to be?

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brewer584559
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(@brewer584559)
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I hear you—it’s definitely not as clear-cut as it used to be. I remember when AAA’s coverage felt a lot more generous, especially for those of us who drive older vehicles and sometimes need a tow farther than just a few miles. The industry’s shift toward tighter restrictions is frustrating, especially when the premiums keep climbing. I’ve started reading the policy booklets cover to cover now, just to avoid surprises... not exactly thrilling, but it’s saved me some headaches. Still, it does feel like we’re getting less value these days.


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(@kayaker18)
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Title: AAA Coverage Feels Tighter Lately

I’ve started reading the policy booklets cover to cover now, just to avoid surprises... not exactly thrilling, but it’s saved me some headaches.

That’s honestly a smart move. I’ve seen a lot of folks caught off guard by what’s actually covered vs. what they assumed was included. The fine print isn’t fun, but it does help dodge those “wait, what do you mean that’s not covered?” moments.

I agree, things have changed. Used to be, you could count on a longer tow or more generous roadside help without worrying about extra fees. Now it feels like every little thing has a cap or a catch. I get why companies are tightening up—costs are up everywhere—but it does make it harder for people with older cars or anyone who drives more than just around town.

Premiums going up while coverage shrinks is rough. I’ve noticed more people asking about exactly what their plan includes before they renew, which probably wasn’t as common even five years ago. It’s not just AAA either—most insurers are doing the same thing lately.

One thing I’d add: if you ever have to file a claim or use roadside, keep track of all your interactions and receipts. Sometimes there’s wiggle room if you can show you followed the process or if there was some confusion on their end. Not always, but it can help.

It’s not ideal, but being proactive like you’re doing is probably the best way to avoid headaches now. Doesn’t make it less frustrating though... especially when you remember how much simpler things used to be.


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Posts: 15
(@bpupper44)
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Honestly, reading the whole policy is probably smarter than most of us want to admit. I learned the hard way last winter—thought my battery jump was covered, but turns out I’d maxed out my “allowed” calls for the year. Who knew there was a limit? Now I keep a running note on my phone of every time I call them, just in case. Feels like you need a spreadsheet just to keep up with all the fine print these days.


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(@baker72)
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I totally get where you’re coming from. I’ve had to double-check my policy after getting burned by a “limit” I didn’t even realize existed—felt like a rookie mistake. Do you ever wonder if they make it confusing on purpose? I keep a list too, just in case something goes sideways. It’s wild how much you have to track just to avoid surprises. Do you think it’s worth switching providers, or is this just how they all operate now?


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(@paul_wolf)
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I’ve seen a lot of folks get tripped up by those hidden limits—honestly, even after years in the business, I still double-check my own coverage. Every company has its quirks, but some are definitely clearer than others. Switching can help, but reading the fine print is always key... no matter who you’re with.


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