Click Here To Get 20 GB Free Cloud Storage

Aaa The Auto Club Group Car Insurance


aaa auto insurance

They totally denied any responsibility for our roof repair which after 15 years of surviving several high wind storms and hail were according to them “incorrectly installed” . Lesson learned – pay a little more and get a reputable insurance company. Our vehicle was hit in a parking lot by a CSAA customer.

You will receive communication prior to your membership expires. The amount of discount applied frequently differs based on location, driver profile and several other variables. Insurance companies may also cap the total potential reduction in annual premium costs, and some discounts may be applicable to only specific coverages rather than the entire policy. AAA offers member services 24/7 via their toll-free phone number, but insurance-related customer service inquiries must be made between 9 a.m.

Metromile uses a base monthly rate, and then your premium is generated on a per-mile basis via a plug-in device. Mile Auto offers liability and full-coverage options for low-mileage drivers. However, it doesn’t require a tracking component but asks that you snap a photo of your odometer monthly to determine your rates.

I switched to insurance last year, since most of my travel is booked through travel websites which dont let you apply AAA discounts during booking. This insurance may or may not be needed in your area. As long as you are a member of AAA, your insurance auto insurance for teenager premiums will not increase as soon as your first accident occurs. All fifty states and the District of Columbia provide AAA automobile insurance. Power 2020 claims satisfaction study, which surveyed customers about their experiences filing claims.

Established over 100 years ago, AAA has been assisting members with roadside assistance, travel, and insurance services, and discounts at other businesses. Be sure that whichever insurance policy you choose, that the policy covers any injuries or damage to property caused by your RV or travel trailer. Your risk profile depends on factors like your net worth, where you live, your credit history, and your driving record.

If auto insurance isn’t the only policy you’re looking for, AAA offers these coverages as well. AAA offers a discount to qualified teen drivers if they complete a program by the time they are 19. Given the already-high cost for teen drivers, this can be a significant savings. Location – Where you live can influence how much you pay for car insurance. Urban areas, which are more congested and have higher rates of accidents and vandalism, will have higher rates than suburban or rural areas.

This can be one of the biggest perks of AAA membership for people who travel often. If you purchase your trip through AAA, you’ll be covered by AAA’s travel accident insurance, which covers you for loss of life or limb in case of an accident. AAA car insurance is cheap because the company provides its users with a wide array of discounts, and virtually anyone can be eligible for at least one of them. You can bundle your insurance, get good driver discounts, etc.

  • Yes, as long as you make sure you’re using a credible insurance provider.
  • CR contacted insurance industry analysts and state insurance commissioners to ask what new consumer relief programs are in place.
  • If you’d rather just pay for a tow truck from Allstate when you need it, that’s an option too.
  • Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any financial institution.
  • Waving off the usual 25% down payment required by most other insurance companies.

It’s also easy to request a quote right from their website. While AAA’s official website is perhaps not the most intuitive carrier site to navigate, most all the information and services customers could need does seem to be available. The carrier also has a presence on both Facebook and Twitter to make themselves even more accessible to both prospective customers and loyal policyholders. However, many auto customers complain that the complimentary roadside assistance offered is not timely or satisfactory. Have you had car insurance with AAA for over one year?

Explore Michigan Auto Insurance Reform By Topic

I on the other hand was the one who had to communicate back and forth with the at-fault party’s insurance and figure things out. The people here seem to be extremely nice when you first become a member only to get your sale, and then once you are a member the customer service is atrocious. Every time I talk to someone I either get transferred from person to person, get hung up on, or speak to someone absolutely rude. There has been only one person I have spoken to that is respectful and will take their time on you out of the numerous amount of people I have had to speak with.

Best Roadside Service is operated by Nation Motorclub Inc., out of Boca Raton, Florida. They have been in business for over 50 years and have helped over 15 million customers. Staying in line with their commitment to conservation, you will not receive any physical materials once you sign up with Better World Club.

Comparing automobile insurance quotes may not be the most electrifying component of your day, however it can conserve you a lot of cash. National General Insurance offers personalized coverage for autos, including a wide range of discounts. AAMVA’s electronic SR22/26 application automates SR22 and SR26 filings. I had auto and home insurance with AAA two years; I just terminated now because they had a cheating business to customer. My experience with AAA is they never act on policy holders behalf, but always on behalf of their their company.

They are likewise incredibly stingy about paying out in the other categories . Our insurance industry partnerships don’t influence our content. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool.

AAA partners with top insurer Travelers to offer wedding policies. This helps protect the investment in a wedding, including deposits and fees, as well as providing liability coverage for the event itself. The most recent numbers show AAA has reached the 55 million mark for membership and continues to grow today.

Our 24/7 emergency claims team is always ready to help. We have experienced local BCAA Claims Adjusters ready to take your call. Our expert advisors take the time to get to know you better. We work with you to understand your needs and then recommend the best, customized coverage.

A Century Of Service

At AAA Auto, you will earn a discount on your auto insurance if you make full payment of the rate. Depending on your membership status with AAA, you could be eligible for a 10% discount on your auto insurance. If at least one member of your household has a qualifying membership, all of your vehicles may be eligible. With competitors’ rates ranging from $1,100 to $1,900, AAA’s full coverage premium runs on the higher end, at an average of $1,948 per year.

This may not be available if you are on a monthly payment plan. However, a AAA membership is separate from your AAA insurance policy, so you won’t have to worry about losing your AAA membership benefits just because you canceled your insurance policy. You will still be responsible for the payment of your annual membership fee. If you don’t have your policy number, chances are your agent or AAA customer service representative can help you locate it. Additionally, be sure to have your driver’s license on hand.

HOME AND RENTERS COVERAGE IS NOT AVAILABLE IN LOUISIANA .Auto insurance in LA is offered by ACIIE. Michigan Auto Law is the leading and largest law firm in Michigan exclusively handling auto accident cases for more than 50 years. By answering a few simple questions we can help you determine how much your accident case could be worth.

AAA auto insurance comes from separate, regional insurance companies that operate under similar names and logos. AAA club membership works the same way, and you would likely need to become a member of your regional club to get the auto insurance. That comes with a fee, but the resulting discount on your auto insurance may just make it worth it. The score is based on the individual’s credit ratingand will affect the premiums they pay for the coverage. Low scores reflect higher risk, so a high score will result in lower insurance premiums. Conversely, a low score will result in higher premiums.

What can you offer me as a discount for long-term membership? ” Reminding them of the fact that you’re looking to be a longtime customer goes a long way in ingratiating yourself to them. If you get the lower rate — or even if you don’t — you can aarp insurance auto refocus the negotiations and start asking for the hidden deals that many car insurers don’t tell you about. Now it’s finally time to call up insurance reps — including the one you currently have — and negotiate an awesome deal with scripts.

Hartford auto insurance underwrites policies for AARP. However, rates can very depending on your unique circumstances and driver profile, so we always recommend comparing quotes from multiple insurers to find your best savings on car insurance. For drivers looking for their cheapest rate, we recommend AAA, which offered cheaper auto insurance quotes for our sample drivers. AAA allows customers to handle insurance inquiries and issues via their website at any time.

These savings are dependent upon signing your documents online, and are in addition to our sign online discount. Our Snapshot® program personalizes your rate based on your actual driving. See more on Snapshot®, or sign up for Snapshot Road Test® to see what you could save without leaving your current insurer. Save when you have more than one vehicle listed on your policy.

Insurance premium does not include the price of Membership. The whole point of insurance is to protect yourself financially if something goes wrong. When an incident occurs—you wreck your car, a thief snags your laptop, a friend slips on your throw rug and breaks an ankle—you submit a claim. With this request for compensation, you’re essentially asking your insurance provider to make good on your coverage and pay to fix your ride, replace your gear, or pay your friend’s medical bill. For years, we’ve continued to grow thanks to our loyal members and insureds. As an auto insurance policyholder in California, you could receive money back just for insuring through the Auto Club.

I can’t begin to describe the disappointment and disgust I felt at that moment. Is this how this company treat their loyal customers? I definitely will never go through them again, neither will my family.

Examples Of Employers And Insurance For Delivery Drivers

AAA offers multiple discounts based on your area — and you’ll get the best savings for insuring several cars on your policy, adding home or life insurance or keeping a clean track record for claims. You probably know someone who has experienced a tragedy that created an unfortunate hardship. Our agents are here to help you protect your family with the best options for your auto, home, and life insurance needs.

Progressive offers a variant of GAP insurance called the Loan/Lease Payoff coverage to its customers. Responding to all correspondence from the insurance company in a timely manner. If you have problems getting insurance, you can try your state’s automobile insurance plan. This is a state program that allows drivers who’ve been labeled progressive auto insurance sign in high-risk and who’ve been denied insurance to be able to get the minimum required coverage. An auto insurance lapse can leave you highly exposed to risk and penalties and should be avoided; however, if it does happen, you need to know how to remedy the problem. A car year is equal to 365 days of insured coverage for one vehicle.

To accurately compare car insurance quotes across insurers, you’ll need to select the same set of coverages, limits, and deductibles for each quote. That way, you’ll get a full picture of what each insurer is offering. Then, you’ll receive an outstanding, personalized rate.

New York Central Mutual Auto Insurance

Good Student Discount – Another plus mentioned in some AAA insurance reviews is if you are a young driver with good grades, you can save up to 15% on your premium. Check with your local agent to get a AAA insurance quote for all the details. AAA auto insurance is generally only available to members, but the perks and discounts might make joining worth it. If a dividend is approved for payment, it will be listed in your auto renewal offer, which you should receive at least 30 days before the expiration date of your policy.

aaa auto insurance

In 1912, AAA’s California branch, the Automobile Club of Southern California, began offering auto insurance to members. In 1969 AAA opened its life insurance company, and over time expanded to offer homeowners, travel insurance, and other types of policies as well. Policies are sold only to members of AAA, which requires an annual fee to maintain membership. AAA has provided its members with roadside assistance for more than 100 years. It has since then branched out to offer travel perks, driver’s education courses, shopping discounts, and insurance coverage.

My AAA insurance went up $300 for 2012 and we both have good driving records and no accidents. The agent said it was because Michigan has the highest unlimited medical than anyone and that is what went up. She said she could drop my rate considerably (like $700 for the whole year) with a 6 mo policy through one of their other AAA companies. This is what I don’t understand and it was never offered to me before. Other roadside assistance programs offer just as good rates, services, etc and they treat their vendors with respect.

AAA also offers separate flood and earthquake insurance policies for added protection against risks not covered by the homeowners policy. Overall, the website seriously lacking in the kind of information that helps consumers compare insurers. The site offers very limited information on auto policies and even less on other policy types.

AAA refused to send roadside assistance until the journalist paid an additional fee to have his wife put on his AAA membership. I need to know does my auto insurance through AAA cover my car rentals. These benefits are outlined in detail in the policy of insurance and are legislated by the state of Kansas. Kansas PIP coverage is only available in Kansas and is required by the “Kansas Automobile Injury Reparations Act”. This coverage is often referred to as “no fault” or “PIP” coverage.

Lizzie Nealon is an insurance writer from Charleston, South Carolina. She holds a Bachelor’s degree in political science with minors in Spanish and English from Clemson University. Her articles on auto, home and life insurance have been featured in Bankrate and In her freetime, you can find her cheering on the Tigers or partially completing New Yorker crosswords.

aaa auto insurance

In general I a pleased with most aspects off my service from AAA. My greatest displeasure is that they are very expensive. Because the cos t is high, I thought I was covered for all contingencies except Floods, but I discovered that I was not covered for sewer backup.

aaa auto insurance

They ended up having to pay back-commissions and other money to those agents which was in the tens of millions of dollars. AAA is more about cross selling products and services then they are about Road Side services. It would be very interesting to see an audited breakdown of their revenues and expenditures. It would be interesting to see a study conducted to calculate what the true costs of road side services is. AAA looks like a hero the motoring public but the truth is this so-called non-profit has done more harm than good to the economic well being of the Towing Industry.

This has a positive effect on the cost of insurance. Surprisingly, Wisconsin does have a high number of uninsured drivers—about 14.3%—which is the 15th highest state in the country. Customers do not need to take any action to receive this dividend, which will appear as a credit on their auto policy, it said. “The credits will be applied automatically to the customers’ policy and those customers who have paid in full will receive a refund of the credited amounts,” the company said.

The compensation we receive and other factors, such as your location, may impact what ads and links appear on our site, and how, where, and in what order ads and links appear. While we strive to provide a wide range of offers, our site does not include information about every product or service that may be available to you. We strive to keep our information accurate and up-to-date, but some information may not be current. So, your actual offer terms from an advertiser may be different than the offer terms on this site. And the advertised offers may be subject to additional terms and conditions of the advertiser. All information is presented without any warranty or guarantee to you.

Enter your ZIP code below to view companies that have cheap auto insurance rates. While AAA is best known for assisting drivers with flat tires, lockouts, fuel delivery, dead batteries, breakdowns, and towing, the company also offers AAA auto insurance to members. You can become a AAA member for as little as $50 to $100 per year.

When customer concluded AAA Auto Ins by one of the company programs, he gets an opportunity to minimize risks associated with personal car use. Here you may enter zip code and check out our best deals online. AAA formerly the American Automobile Association one of the largest insurance companies provides quotes on auto and home insurance with life and health policies, registered and operating in the US.

We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first.

Can pay for repairs or replace your new vehicle without depreciation should it be damaged or totaled in a covered loss. Separate purchase of AAA membership is generally required to obtain and renew AAA insurance. To earn any approved Policyholder Savings Dividend, all you need to do is complete your policy term. If your auto policy is canceled before the expiration date, a dividend will not be paid on the policy. In 2018, the average auto Policyholder Savings Dividend was $186.

Access your online account center and use our Reform Comparison Calculator to help you select coverage for your needs, and budget in just a few simple steps. Meemic and AAA couldn’t be happier to work together to offer exclusive savings to members of the educational community in , plus grants and other benefits through The Meemic Foundation. The ratio is based on how many complaints the provider receivesfor every 1,000 accident claims it files. Car Insurance Rules of the Road for Safe Driving Whether you’re driving the carpool or training a new teenage driver, here are a few tips to keep your family safe on the road.

Before buying with a company it is wise to check on a company’s financial strength and complaint record. The A.M. Best rating listed above gives you an idea of The Auto Club Group’s financial strength to pay claims. A complaint ratio can be found on the National Association of Insurance Commissioners site. The median complaint ratio from the NAIC is always 1.00.

However, it can be argued that since these benefits are one of the added values to being a AAA member, those insured with them should be able to depend on good service. Looking at the website, there are a total of 213 ratings. Of the 213, 88 of them are one-star and 59 are five-star. Most reviews report good rates but poor customer service in the insurance claims department. There are also a lot of complaints about agent service.

Car insurance is legally required in almost every state, so it’s an unavoidable cost. Some drivers are lucky enough to live in a state with cheap car insurance, while others have to pay thousands of dollars a year. Knowing the average cost of car insurance per state is helpful for a few reasons, but it’s especially important if you’re planning to move states.

Depending on your location, you can qualify for auto insurance with optional coverages and a wide range of discounts that offset the cost of an AAA membership. You can also bundle your policy with homeowners or condo insurance for further savings and even take advantage of gap coverage to protect your new vehicle. When shopping for car insurance, it’s always a good idea to compare rates from multiple providers, even if you think you’ve found the best option. That’s why we took the time to research and review the best car insurance companies in the nation. We took a look at each provider’s coverage options, availability, cost, and customer satisfaction. Given that AAA insurance is part of the Auto Club, certain perks that other brokers charge extra for, like roadside assistance, are automatically included with every package.

This service also is helpful if your keys are locked inside your vehicle. If the service provider cannot open the car, locksmith service or reimbursement for commercial locksmith service will be provided, up to the prescribed amount. If you run out of fuel, you will be supplied with enough fuel to reach the nearest service station. If you are an AAA Basic member, you will have to pay for the fuel. Other services include toll free assistance, battery service, extrication or winching services, reimbursement for services and roadside or repair check acceptance.

If you don’t have an AAA membership, you might want to shop around to compare your AAA home insurance quote with companies that don’t require a membership. However, it may be worth your time to take a look at what your local chapter can offer. Depending on your club and location, membership benefits include roadside assistance, discounts, identity theft protection and vacation planning. If you have been researching AAA home insurance reviews, we cover the primary aspects of the insurer in this evaluation.

Multiple Policy Discount – If you have an active homeowners, condo, or life insurance policy, you can bundle it with auto insurance and save money. Depending on your policy, auto insurance coverage options can vary. The AARP Auto Insurance Program from The Hartford offers additional coverages to help protect you and your car. Through this program, you’ll enjoy great AARP auto insurance rates and rewards exclusively for AARP members.

How To Buy Mexican Auto Insurance When Going South Of The Border – Forbes

How To Buy Mexican Auto Insurance When Going South Of The Border.

Posted: Wed, 08 Sep 2021 07:00:00 GMT [source]

AAA offers coverage across the country through different providers. Coverages include auto, home, and health insurance, as well as add-ons specific to your location. You can also get a discount for safety inspections and for using the mobile app to access AAA Drive or AAA Onboard. These programs monitor your driving habits and offer a discount based on your safe driving. The less time you are spending on the road, the lower the likelihood of getting into an accident.

However, independent ratings suggest the company’s customer service needs improvement in many areas. Geico’s 97% customer satisfaction rate speaks for itself, as does its long list of honors, including the most desired insurer according to Kanbay Research Institute. You know, just in case the gecko isn’t enough to convince you that you want its insurance coverage. Before agreeing to an auto insurance policy, always do some research on the insurance company itself, regardless of its size.

A line of cars and trucks moves from northbound Interstate 45 to Interstate 10 eastbound on March 25, 2020, in Houston. A new study estimates making all vehicles electric could save 148 annually in Houston. What kind of policy you should purchase for your travel trailer depends on whether you are simply using your trailer for trips or if you are living in it full-time. AAA offers Auto Locksmith Service to help alleviate the panic and stress of the situation. Get your vehicle unlocked or have your keys remade by a trusted AAA locksmith. Ever locked the keys inside your vehicle or travel trailer?

However, Liberty Mutual doesn’t consider driving history until later in the quote process, so the quotes in this review are a baseline and don’t reflect past accidents. Your situation may be quite different, but our quote is not meant to cover every kind of situation, but rather give a sample of what premiums could be with this provider. We use the same profile for every car insurance provider we review, to give the best chance of comparing providers’ costs across the board. No matter how trustworthy they are, auto insurance reviews and ratings can never tell the full story. There are always individual factors, like your driving record and your location, which the insurance companies will take into account when offering you a policy.

The way AAA operates is slightly different from other insurers. With a membership, you are covered as a driver, no matter what car you drive. In 2018, AAA, underwritten by CSAA Insurance Group, was named the highest-ranked auto insurance brand in the Southwest from the J.D.

aaa auto insurance

With a fleet of more than 63,000 towing and roadside service trucks across the country, AAA Roadside Assistance is designed to get you back on the road. If you’ve broken down and you need roadside assistance for your car or truck, AAA can help you get back on the road. No matter what kind of car trouble, AAA is here to get you running as quickly as possible. Since inception more than 100 years ago, our Roadside Assistance program has been the core of our responsibility to our members. This service offers protection and peace of mind, so you know that you’re safe, covered, and in good hands with AAA. The Digital Roadside Request is just one more way we follow our commitment to providing security and peace of mind for our members.

The most commonly-used benefits of roadside assistance plans are 24-hour towing, flat tire repair, jump starting, lockout service, and emergency fuel delivery. Your plan may also include trip interruption assistance, emergency medical referrals if you need treatment while traveling, travel planning help and discounts on related services. The plan you choose through Paragon Motor Club depends on if you’re looking for coverage for your car, truck, SUV, motorcycle, or RV/trailer. From there you can choose between a “classic” or “advantage” plan. The advantage plan also includes $1,000 per occurrence for trip interruption, and $1,000 for stolen vehicle interruption. You’ll also get customized trip routing, travel discounts, and hotel and rental car savings.

If so you may be able to receive a discount with Start Farm if you are on active duty in the military. Multiple Line Discount – Adding multiple insurance policies will help you to save up to 17% with State farm. Good Student Discount – This discount allows you to save up to 25% for being an Honor Roll student. What separates State Farm’s good student discount from other good student discounts is that this discount allows you to save until you turn 25. It’s rare to find an insurance discount that continues after graduation. Accident-Free discount – State Farm policyholders who have been insured with State Farm for 3 continuous years without an at-fault accident will receive this insurance discount.

Concerning overall performance, AAA is ranked third while State Farm is ranked eighth in NerdWallet’s ranking. Basically, the two are close, and your choice will have to depend on what you want out of your car insurance company. AAA offers insurance only to those who are already club members. It sometimes underwrites its policies and sometimes acts like a broker by offering discounts to its members. It offers several types of insurance such as homeowners, life, and auto. We checked many AAA insurance reviews and used our own data to determine where the company ranks in the US car insurance market.

They also operate over 80 Camping World stores and, an RV retailer. — As part of our commitment to help AAA members and customers in this uncertain time, AAA – The Auto Club Group is providing $60 million in premium refunds to its auto insurance customers. Every policyholder with auto insurance in effect as of April 30, 2020 will receive a 20% policy refund applied to two months of premium, for April and May. This reflects current and anticipated reductions in miles driven. Refunds will be processed as soon as approval is received from individual state departments of insurance.

Power, which conducted comprehensive research into claims satisfaction and insurance shopping, is an average 3 out of 5 stars in both categories. Gap Coverage – In case your car suffers a total loss, gap insurance pays the difference between the replacement cost of your vehicle and the amount left on your loan. Rental Car Reimbursement – This coverage pays rental car, public transit, or even ride-sharing expenses while you are waiting for your vehicle to be repaired. Anti-theft device discount on comprehensive coverage for approved theft prevention devices. To see specific counties in California served by CSAA Insurance Group and Auto Club of SoCal, see our Best Cheap Auto Insurance in California page. If there’s no AAA insurer serving your area, but you’re a member, your local club has a partner that can provide coverage.

AAA Extended Warranty Review (2021) – Automoblog

AAA Extended Warranty Review ( .

Posted: Wed, 07 Jul 2021 10:14:35 GMT [source]

Keep in mind that AAA doesn’t underwrite all of the policies it sells. In many regions, it’s just agents for third-party insurance companies. Allstate has a slightly better financial rating at A+, while AAA’s financial rating ranges from A- to A+, depending on the branch. Both AAA and Allstate have average customer service ratings per J.D. Power for claims satisfaction, while Allstate has a below-average rating for shopping satisfaction.

You can save up to 6% after maintaining continuous car insurance coverage with AAA for one year. That’s why you need an automobile insurance company that can respond immediately – no matter what time you call. We’ve earned a reputation for integrity and trust, and we’re proud to have a record of high customer satisfaction ratings for claims services. AAA Insurance is among the more confusing companies out there due to the various branches and underwriting companies.

In some regions, the club acts as an insurance agent, connecting customers to partner insurers willing to provide the insurance discounts associated with membership. AAA has operated in the U.S. for well over a century and currently has more than 1,100 locations across North America. The provider is best known for roadside assistance and auto insurance, but individual clubs offer AAA homeowners insurance. Keep in mind that the policies and customer experience may vary by club. The pros and cons may be a helpful reference prior to requesting an AAA home insurance quote. If you live in an area with a strong AAA auto club, AAA car insurance can be an excellent option.

Membership may be needed for some types of coverage. On this page, you may compare AAA insurance alternatives. Allstate was among the best in the estimation process and the repair process. The main concern is the rate increase that some customers experience. With features such as accident forgiveness Allstate customers can have peace of mind.

This coverage is commonly referred to as UIM coverage. This coverage will apply if another driver, who is legally responsible for an accident that injures you, is required to pay more than their bodily injury liability coverage limits. This coverage will pay up to the coverage limit, but only after all of the liable person’s coverage limits have been exhausted.

Get up to 13% off your bill if you don’t make a claim for 3 years or more. And in case you haven’t seen the “AAA” sticker at businesses like hotels and airlines, know that auto insurance provider they work with thousands of companies to get their members reduced rates on all kinds of things. Student drivers with good grades are eligible for 15% off their bill.

Postmatesoffers an “excess” auto insurance policy of up to $1 million dollars in liability coverage per accident for property damage and injuries you cause to others. Postmates’ coverage only kicks in after your own policy limits are exhausted. If I want a membership for roadside assistance, I’ll look for all the options and compare it myself. If you have the best value to service ratio, you’ll get my business. AAA is not very competitive on automobile insurance and their customer service quality varies greatly depending on which agent you get.

Date: November 1, 2021