These guys have been around forever, and I’ll just say it now: it’s definitely not a scam.
But is it a good deal? Well, do you consider paying double the price for your services a good deal?
Of course, what you’re really paying for with that 100% jump in price is the right to push the overpriced product to all your friends and family. Does this mean I’ve been involved?
This video explains everything:
Make sense? Either way, here’s the full review on Motor Club of America, the company.
The Motor Club of America’s history dates wayyy back to 1926 – they’ve practically been around as long as cars have.
The club was started by a group of three brothers from Atlantic City, New Jersey, who were children of Russian immigrants. William, Samuel, and David Green started Motor Club of America at just the right time, when households all across America were starting to purchase cars. Their company took off and eventually branched out to the rest of the country, opening dozens of offices across the northeast, southeast, and Midwest.
The brothers worked together for over 50 years providing emergency roadside services, towing, repairs, and maps for drivers all over the country. In 1986, they sold the entire company to Trac, Inc., owners of the Thrifty-Rent-A-Car system. By 1992, they were conducting business in all 50 states and Canada.
TVC Marketing, founded by a veteran of the motor club industry (and, weirdly enough, former marketing arm of Pre-Paid Legal), now owns Motor Club of America and has since 1996. The founder Coffee Virgil, weirdly enough, used to be the marketing arm of Pre-Paid Legal. TVC stands for ‘Truckers Voice in Court’, and they also offer legal services to truckers.
Motor Club of America now has over 6,000 auto repair and service centers nationwide
How much does Motor Club of America cost?
In order to join, you must purchase a Total Security membership for $19.95/month.
Motor Club of America does NOT sell car insurance. They sell various other roadside services. MCA is basically AAA with a direct selling structure (and higher prices).
They offer three membership plans: Security ($9.95/month), Security Plus ($14.95/month), and Total Security ($19.95/month). In the end, you’re shelling out around $120, $180, or $240 a year for these memberships.
Without a doubt, these are useful services in the membership. However, it’s not that different from AAA, which costs HALF the price (about $66/year for a basic membership, $100 for Plus, and $126 for Premiere).
All memberships include…
Unlimited Roadside Assistance
Most competitors cap service calls on their basic plan to 2-4 per year. MCA allows one call per day all year long. Roadside assistance services include lockout assistance, fuel delivery, tire changing, and battery boosting.
Travel Assistance Reimbursement
If your vehicle is not operating or in the repair shop for a few days, MCA will reimburse you up to $500 for a rental car, hotel, or meals if you are more than 50 miles from home.
Planning and Travel Reservations
This is a system that helps you map out and plan your travels, and it includes a reservation system for air travel, rental cars, and hotels.
MCA membership includes a cash bail of up to $500 for traffic violation incidents. This is only available in some states.
MCA will release up to $25,000 on bond to release you from jail if you were charged with a moving traffic law violation as the driver.
As long as you are driving your covered auto, MCA will pay up to $2,000 in attorney fees should you receive traffic-based police charges.
Stolen Vehicle Reward
In the event that your vehicle is stolen, MCA will offer a reward of up to $5,000 to the person or law enforcement agency that recovers the car.
Credit Card Protection
Financial coverage of up to $1,000 in losses in the case that your identity is stolen.
Members can use their card for 15%-65% discounts on prescriptions, dental procedures, eye wear and eye exams, rental cars, and major hotel chains.
Emergency Reimbursement Benefits
Up to $500 in cash for Emergency Room or Trauma Center treatment due to car-related injuries.
Daily Hospital Benefit
If you are hospitalized due to a vehicle-related accident that is covered, you can receive up to $150 per day to cover your hospital stay for up to 365 consecutive days or $54,750.
Accidental Death Benefit
They offer $10,000 accidental death coverage to members.
The Security Plus membership offers accident coverage, hospital benefits, and emergency benefits under all circumstances, not just vehicle-related. The Total Security membership includes all of the above plus higher coverage levels, up to 100 miles towing per service call, customer can choose towing destination, and RVs, motorcycles, and trailers are included.
Total Security members can take part in their referral program, whereas regular Security members cannot.
Distributors are given an advance on their commission for membership sales – the entire year’s worth is given to you up front. However, if one of your customers cancels their membership, you have to pay that back.
For each basic Security membership you sell, you get a $40 advance for the entire year. For Security Plus, you get $60, and for Total Security, you get $80.
If, for example, you can sell 5 Security Plus memberships per week, you would make $21,320 for the year. That’s not an easy feat, though. Better have a lot of friends and family members you’re willing to alienate.
Distributors also earn overrides on their 1st Level (direct) recruits. If someone you personally sponsored sells the basic Security membership, you get $4. If they sell Security Plus, you get $5. If they sell Total Security, you get $6.
These guys have been around forever, it’s definitely not a scam.
But is it a good deal? Well, do you consider paying double for the same services a good deal?
Ultimately, AAA is half the price, so the only reasons for buying into this are
- You’re clueless and haven’t shopped around or
- You’re trying to cash in on the affiliate program
If you’re trying to cash in on the affiliate program, you should think long and hard about laying down $240/year, because if the only people who would purchase a membership are clueless people who have done NO shopping around, you’re probably not going to find enough customers to keep your “business” afloat.
But if it’s financial freedom you seek and you like automated ways to build passive income, there are better ways.
(and you can trash those old MLM habits, too)