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The California State Automobile Association (CSAA) was formed in 1914 with the goal to protect drivers from financial fallout after a car accident. CSAA is an exclusive auto insurance provider to members of the American Automobile Association, better known as AAA. Some refer to CSAA insurance Group as AAA because it is a branch of the organization.
Although this AAA insurer may not be as well known to the general public as Allstate and Nationwide, AAA members in 23 states and the District of Columbia rely on them for their car insurance needs.
CSAA Insurance Coverage Options
Depending on where you live, here is a list of auto insurance coverage options provided by CSAA.
If your vehicle is damaged due to an auto accident, collision coverage helps to pay for the cost of repairs to your car. It also covers damages you may incur if you hit an object such as a mailbox, fence, or lamp post.
This coverage provides an additional layer of protection by helping pay for non-collision-related damages to your car, such as fire, theft, vandalism , hail, a rock hitting your windshield or if you hit an animal.
Bodily Injury Insurance
If you are responsible for an auto accident that results in bodily injury to another person, bodily insurance will pay the medical costs. These expenses include doctor visits, emergency room treatment, physical or occupational therapy, and medications. If you are sued by the injured person for damages and need legal assistance, this coverage also pays your legal fees.
Property Damage Insurance
Unlike collision insurance, which covers damage to your property or the property of the other person, this coverage only pays for damage you cause to the other person.
Medical Payments Coverage
When you take your vehicle in for service, they insist that your mechanic or repair shop follow the original manufacturer’s procedures to ensure your car is fixed correctly.
Rental Car Reimbursement
If your event is being fixed or replaced, you can rent a vehicle like your own with no per-day limits. The coverage is above average at up to $5000 per occurrence.
This coverage pays for any damages to your vehicle if you’re involved in an accident with a driver who does not have car insurance. This includes damages to your car or if you’re the victim of a hit-and-run. These damages also extend to medical injuries and lost wages incurred by you and your passengers.
Unlike uninsured motorists’ insurance protection, underinsured motorists’ coverage helps with expenses when you’re hit by a driver who has car insurance but not enough to cover your bills. This includes lost wages, pain and suffering, medical bills, damage to your home and car, and funeral expenses for you or your passengers.
Rideshare Drivers Coverage
If you’re an Uber or Lyft driver, rideshare coverage adds an extra layer of protection on top of the standard liability-only insurance offered by the rideshare company. This optional add-on to the driver’s car insurance policy fills in the rideshare company’s policy gaps.
Gap Insurance Coverage
If your insurance company deems your car totaled or the cost to repair the vehicle is more than its value, gap insurance will pay the difference between what your insurance company pays and the remaining balance of your auto loan.
How to File a Claim With CSAA
If you’re involved in an accident, it’s essential to know what to do. Whether it’s a fender bender or a severe car crash, taking these steps can help keep you safe and make the claims process more manageable.
Check for Injuries
Being in a car accident can be emotional, stressful and painful if you’re injured. So, the first thing you want to do is take a minute to see whether you or your passengers have any injuries. Then you should call 911.
Move Your Vehicle
Turn on your hazard lights and drive your vehicle to a safe location that’s out of the flow of traffic.
Remembering all the details directly after an accident can be an impossible task. To make sure you have an accurate account of exactly what happened, who was involved, and what happened, document it. Suppose you have access to your mobile phone, record and or take pictures of everything, including the damage to both vehicles, the location of the accident, and the driver of the other car and any passengers. Also, document their driver’s license and insurance information if possible.
Keep Your Records Handy
After being involved in a car accident, the last thing you want to do is aimlessly search for documents you may or may not have readily available. To avoid this added stress, store pertinent documents in your glove box, including your vehicle’s registration and proof of insurance which should include your policy information. Also, consider adding contact information for next of kin if you are unresponsive.
Report the Accident
Contact CSAA to report the claim as quickly as possible. You can start the claims process via their mobile app, online via their website, or contact them 24/7 via phone.
Seek Medical Attention
Suppose your accident resulted in visible pain and injury, causing bleeding, bumps, or bruises. In that case, you’ll likely get immediate attention if not on the scene soon after at a local hospital. However, there are times when you will experience delayed emotional and physical trauma and shock after a car crash.
CSAA Auto Insurance Discounts
Securing auto insurance discounts is a great way to ensure your premium remains affordable. While the exact discounts you get will depend on what’s available where you live and whether you qualify, here are some common discount options at CSAA.
- Good Student Discount: You can save on your premium if a listed driver on your policy is a student and maintains good grades with an average 3.0 GPA
- Driver Training Discount: Complete an approved defensive driving course or class and you’ll earn a discount. Most courses and classes are conducted online for your convenience.
- Multi-Vehicle Discount: Have multiple vehicles to insure? You can save on your auto insurance policy with a multi-car discount.
- Multi-Policy Discount: Consider adding your homeowners or renters insurance to your auto insurance policy to score a discount on your premium.
- Safe Driver Discount: Since insurance companies love rewarding responsible drivers, you can qualify for savings if you maintain a safe driving history.
- New Car Discount: If you purchase a vehicle 3 years old or newer, you can save on your premium.
While we listed some standard car insurance discounts available at CSAA, it is always best to get a quote and speak with an agent so you know exactly what you qualify for.
Drivers who use our auto insurance comparison tool save an average of $720/year on their premiums. You can get started by entering your zip code below. It’s easy and the process takes just 5 minutes.
Other CSAA Insurance Options
CSAA provides an array of budget-friendly insurance options to AAA members beyond auto insurance. Here are some additional insurance options to consider. Plus, when you bundle a second type of insurance with your auto insurance you just might snag a multi-policy discount. Sounds like a win-win!
- Commercial Property
- All-Terrain Vehicles
Where is CSAA Insurance Available?
CSAA offers auto insurance coverage to AAA members in 23 states and Washington DC.
- District of Columbia
- New Jersey
- New York
- South Dakota
- West Virginia
Want to learn more about insurance in your state? Check out our State Auto Insurance Guides
CSAA Auto Insurance Customer Reviews
|Better Business Bureau||B-|
CSAA Insurance received overall positive reviews on all platforms from both policyholders and employees alike.
How Much You Can Expect to Pay for CSAA Insurance
It’s always a good idea to shop around for the best insurance quote for your auto insurance needs.
Insurance companies base their rating systems on different criteria which is what accounts for the vast differences in quotes.
However, we’ve done some research to give you an idea of what you might expect to pay with a CSAA auto insurance policy:
|Young Drivers (18-24)||$1,599|
|Retired Drivers (65+)||$913|
|Non Married Drivers||$1,135|
|Drivers With No Tickets on Their Record||$1,092|
|Drivers With 1+ Ticket on Their Record||$1,472|
|Drivers With No Accidents on Their Record||$1,089|
|Drivers With 1+ Accident on Their Record||$1,474|
As you can see, auto insurance rates at CSAA vary depending on the various demographics they consider when setting your premium. But keep in mind these are just estimates. The best way to get a better idea of what you’d pay for auto insurance is to get a quote.
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How to Know if CSAA is a Good Fit For You
Still wondering if CSAA is a good fit for your auto insurance needs? Based on our research, we’ve found it to be a good fit for you if:
- You are a member of AAA
- You reside in one of the 23 states or Washington, DC, where coverage is available
- You like the convenience of a powerful mobile app with features that allow you to do just about anything related to your policy, while on the go.
CSAA Auto Insurance FAQs
Does CSAA have a mobile app?
Yes, they do. Their mobile app provides a convenient way to pay your bills, report claims, view and sign documents, access your auto ID cards, search for local gas prices, and set up bill reminders.
What extra insurance options does CSAA offer?
Besides providing auto insurance, CSAA also offers insurance for homeowners, renters, motorcyclists, rental property owners, and drivers of all-terrain vehicles.