AA Auto Protection is a broker of vehicle service contracts. That means that we represent multiple companies that offer service contracts and administer them. AA Auto Protection is responsible for presenting plans, and for processing enrollments and cancellations. The administrators are responsible for the processing of claims.
There are many advantages to working with a broker rather than a company that is a combined plan marketer and administrator.
1. More choice. Since brokers represent multiple plan administrators, there is a much greater variety of plans from which customers can choose. More selection means a better chance for a customers to find a plan that suits their needs exactly. With a combined administrator/marketer, the selection is much smaller, and the customer is limited to the few that the company has to offer.
2. Lower price. Administrators who work with brokers know that their plans are competing with many others. This built-in competition means a lower price for consumers. With a combined administrator/marketer, there is no built-in competition, so that the prices are always higher.
3. Division of labor means better service. Combined administrator/marketers try to do everything, but end up not being able to specialize in anything. Working with a broker, the difference is clear. The broker is a selection and plan experts, but that’s the only focus of the company. The administrators, because they aren’t involved in selling, can focus solely on processing and paying claims. Each company specializes in what it does best, and the customer can tell the difference.
4. Protection and security. If a combined marketer/administrator financially fails, not only will the customer not be able to obtain customer service, but their contract is worthless. But if a broker shuts its doors, the customer’s policy is still as good as new, since its backed by the financial strength of the plan administrator. AA Auto Protection’s, however, is fully bonded for customers’ protection, and only represents administrators that are protected by an AM Best-rated insurance company.
When looking for a vehicle protection plan, customers have a choice between choosing a broker, or a combined marketer/administrator. But, for customers seeking a protection plan that is perfectly suited to their needs, that is affordable, and that will provide excellent service and long-term security, there is only one choice, AA Auto Protection.
