Clearcover vs AAA: Who has better car insurance?

Founded in 2016, Clearcover has a clear and modern vision for low cost car insurance. The company is unique in that it keeps its business online as much as possible and sticks to basic coverage for lower-than-average premiums in a handful of states.

On the other side, AAA has been in business for over a century , serves all US states, and is known for making happy customers. AAA was rated 3rd by JD Power for its purchasing customer experience, and it provides travel and shopping perks as long as you have a membership.

The question of the day is which company works best for your insurance needs?

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OVERVIEW			OVERVIEW
About the provider
About the brand	Get instant online support and score a low rate thanks to online data that sets premiums automatically.	Member benefits extend beyond car insurance to offer discounts, bike coverage and more. For drivers in AK, AZ, CA, MT, NV, UT and WY.
States served
States served	AZ, CA, GA, IL, IN, KY, LA, MD, MO, MS, NE, OH, OK, PA, TX, UT, VA, WI & WV	AK, AZ, CA, MT, NV, UT and WY
COVERAGE			COVERAGE
Roadside assistance
Roadside assistance	Optional	Included free
New car protection
New car protection	No	Yes
Accident forgiveness
Accident forgiveness	No	Yes
Rideshare coverage
Rideshare coverage	Yes	Yes
SR-22 insurance
SR-22 insurance	No	Yes
Claims methods
Claims methods	online email phone	online email phone
Payment schedule
Payment schedule	6 months Monthly	12 months 6 months monthly
DISCOUNTS			DISCOUNTS
Anti-theft device discount
Anti theft device discount	Yes	Yes
Bundling discount
Bundling discount	Yes	Yes
Home owner discount
Home owner discount	Yes	Yes
Military discount
Military discount	Yes	No
Multi car discount
Multi car discount	Yes	Yes, up 27%
Paid in full discount
Paid in full discount	No	Yes
Safety device discount
Safety device discount	Yes	Yes
Safe driver discount
Safe driver discount	Yes	Yes, up to 20%
Special employment discount
Special employment discount	No	No
Student discount
Student discount	No	Yes, up to 14%
Usage based discount
Usage based discount	No	No
Learn more
Learn more	Read review	Go to site Read review

Alternatives to Clearcover and AAA

Bottom line

If you’re looking for experienced car insurance on top of member perks, AAA could be your pick. But drivers who just want low rates and basic coverage might lean toward Clearcover as their company of choice. Otherwise, you can compare how these two companies stack up to other providers that may meet your needs.