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AAA Insurance – Is It Worth It?

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While reading over at Stop Buying Crap, Cap asked if AAA Insurance is Crap or Not.

I bought it last year before my son and I took a 1,000+ mile trip by ourselves. He was 3 at the time, and the last thing I wanted to do is have to keep him calm and entertained in the event of a flat tire on a busy highway. I wanted the peace of mind that we could wait in our car until someone arrived.  The trip was also the reason we caved in and finally purchased a cellphone.

To me, the $48 for the year was worth it for that one trip. It saved me from worrying the whole drive. Now, I haven’t used it at all and my renewal is coming up in a few months.  I’m not so sure that I will renew it, but I have a feeling I will. That’s the thing with insurance. You have it and you may need to use it, but there is no guarantee that it will pay for itself over time.

I could try to get discounts at places, but if we need lodging we tend to stay at mom and pop hotels (cheaper and more character) and where we live no restaurants or entertainment places accept the card for a discount.

So really…peace of mind for traveling is all that we have it for. I guess it could come in handy in case my engine goes kaput in lieu of my car’s recent recall (which I still haven’t received official notice for).

In a few months I will need to make my final decision on whether $48/year is worth having it in case we need it.  So far I am thinking it is. Another site that may be worth checking out is insurance-how-to.com for some comparisons of AAA and a few other options.

Any thoughts?

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