I never used AA but STAY AWAY FROM WARRANY DIRECT, YOU WILL HAVE ONLY HEADACHES AND DENIED SERVICE CLAIM.
I typically don't write reviews but Warranty Direct really blew my head off when I need them, they will deny your claim or at least make you pay for it.
Even their road assistance service is nasty. I was driving and my F350 leaking water, pulled over to a gas station called the Warranty Direct (WD) for road assistance ant they say we pay the first $50 for the wrecker and you pay the rest. Well it would be fair enough if their wrecker didn't gave an estimate for $100 to tow my truck to a mechanic shop for 1.2 miles from the gas station where my truck was. I called 3 local towing companies and their rates were $50, $60 and $45 and I ended up $45 paying from my pocket which was cheaper than using WD pathetic road service.
Now the worse part, the mechanic found out the EGR cooler is messed up, called the WD and they DENIED the claim saying the EGR cooler is not included to my policy which has EGR recirculation system listed as covered. But they said the cooler is not part of it, really?
Anyway I paid over then $3,200.00 for a stack o paper they call policy that does not worth the paper they use in the toilet.
I read all the other complains about the company, but I people were not being honest, or even WD competitor was writing it. But now I paid a very high stack of money to find out how bad and worthless WD direct is.
The main reason they are still in business is because of the people buying insurance with them, and some never use it or ended paying for part of the service because the majority of the population in US doesn't know anything about mechanics, so these poor people swallow whatever WD tell them.
They will discretely say "shut up and pay for it because you can't do anything against us".
If you save the money that you will pay for the insurance, and pay for all the maintenance you would have for your coverage, you will still have money at end.
Be wise and keep your hard earned money.