I've been a AAA member for over 20 years (1985) and have never been insured by AAA till now - always high priced compared to other companies I've used - Citizens, Liberty Mutual, etc. However, beginning this year they have a new rating system that allows more versatility based on individual information and by gosh their rates beat them all - home and auto - could have knocked me over with a feather - but I'm so happy to finally be a AAA insured after being a member for so many years - great rates and super service - can't be a combo like that