It is not uncommon for a club or organization to make group insurance products available to their members. The offerings are limited to interests of the organization, either, such as AAA making auto insurance available. It is always important to shop before you buy, but insurance through organizations can rival or even surpass what is available through other sources.
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Yes, AAA offers auto insurance, but it does not underwrite the coverage. Instead, AAA partners with leading insurers to provide group coverage to their members. One benefit to members is that group insurance offerings tend to have much lower premiums than individual policies. Another is that AAA screens the insurance companies for you, to make sure you are dealing with a reputable and financially stable insurer.
AAA members can purchase auto, home, health and life insurance products, as well as specialty coverages such as travel insurance. For each type of policy, AAA may provide access through a different insurer, based on the best deals the organization is able to negotiate for members. AAA is not an insurance company, but they work closely with most major insurance companies.
Before you buy auto insurance through AAA, use this website to get some free online insurance quotes. With the free quote you will get from this website, you can compare costs between multiple insurance companies and have an average idea of what your policies are going to cost. Go ahead and finalize the contract if it turns out that AAA members are getting the best deal, but do the comparison first, because a brokerage website like this one offers a wider selection of insurance companies who are competing for your insurance business.