Identity theft occurs when one or more individuals commit criminal acts that result in stealing the identity of innocent people.
Several government sources work to educate the public about identity theft, and potentially take action against identity theft perpetrators.
One way to help protect yourself against identity theft is by investing in identity theft protection services. AAA is one of several companies that offer identity theft protection. There are also alternatives to AAA identity theft protection.
What is AAA Identity Theft Protection?
The AAA Identity Theft Protection program provides several levels of identity theft protection. ProtectMyID helps members navigate through the ways that people steal the identity of another individual, and helps protect their personal information against identity theft crimes.
John Galvin, President and CEO of AAA Northeast, revealed in May 2018 that AAA Premier Members receive $10,000 in identity theft insurance. This is in addition to the protections provided to all members that sign up for AAA identity theft protection.
AAA partnered with Experian, and provides three levels of identity theft protection.
ProtectMyID Essential is the basic identity theft protection, and is available to all AAA members. The free identity theft protection offers Experian credit monitoring, lost wallet protection, and fraud resolution support.
ProtectMyID Deluxe, the enhanced identity theft protection, offers the same services as the basic protection, and other protections. The monthly fee covers real-time identity alerts, dark web surveillance, up to $1 million identity insurance coverage, and credit monitoring from all three credit bureaus. This plan includes social security number monitoring, criminal records monitoring, address change monitoring, and bank account and credit card takeovers.
Choose the ProtectMyID Platinum plan, and receive the services provided in the deluxe level of identity theft protection, along with additional features. ProtectMyID Platinum customers receive social media monitoring, dormant credit card monitoring, positive credit activity alerts, credit limit and usage alerts, and payday loan monitoring.
Considerations for AAA Identity Theft Protection
There are some disadvantages to AAA identity theft protection, which potential customers should consider before choosing any of the three levels of AAA identity theft protection.
AAA's identity theft protection is limited strictly to AAA members. If you are not a current AAA member, enrolling in any of the three ProtectMyID levels of identity theft protection requires that you first become an AAA member. This means that you pay the required AAA membership fees, and wait on confirmation of your membership before enrolling in the AAA identity theft protection.
The free basic identity theft protection offered to AAA members possibly sounds enticing for some members. The free level of identity theft protection offers very limited features, when compared to the other two levels, which require paying a monthly fee.
Not all members receive the $10,000 identity theft insurance provided with the ProtectMyID Essential option. This advantage is limited to AAA Premier Members. The AAA Premier membership is the highest-priced membership level.
AAA announced in 2018 that it partnered with Experian to provide identity theft protection. Some potential customers possibly prefer identity theft protection from a company not directly connected with one of the credit bureaus.
Alternatives to AAA Identity Theft Protection
There are alternatives to AAA identity theft protection. The alternatives potentially appeal to individuals considering their identity theft protection options.
There are three identity theft protection levels offered by Identity Guard, each with an individual or family plan option.
Do you want basic identity theft protection? Choose the Value Plan, and receive dark web monitoring, a risk management report, an anti-phishing mobile app, and safe browsing tools.
The Total Plan from Identity Guard offers the features of the Value Plan, along with address monitoring, tax refund alerts, credit monitoring from the three credit bureaus, and your monthly credit score.
The Premier Plan offers all the features of the Total Plan, along with social insight reports, and credit score and report.
Identity Guard helps its customers recover their identity, and helps reimburse funds stolen through identity theft.
LifeLock provides a variety of services that helps protect customers against identity theft, and helps them recover if identity theft occurs while the person is a LifeLock customer.
The company provides monitoring for threats and identity theft. There is a variety of plans, allowing customers to choose the ideal plan for their needs. All plans feature the patented LifeLock Identity Alert System, and its Million Dollar Protection Package.
The LifeLock Standard Plan offers up to $25,000 personal expenses compensation, and stolen funds reimbursement. The plan features 24-hour live member support, access to U.S. based identity restoration specialists, lost wallet protection, help with reducing pre-approved credit card offers, and help with reducing exposure of your personal information.
There are several alerts provided with this plan if LifeLock detects your personal information on service or credit card applications, or if the company detects your personal information on the dark web. Other alerts include fake personal information connected to your identity, or a change of address.
Customers choosing the LifeLock Advantage Plan receive the benefits of the LifeLock Standard Plan, along with other features. Receive alerts about large-scale breaches, when your personal information shows in criminal or court records, and in event of cash withdrawals, transfers or large purchases to your credit cards, checking or savings accounts.
The LifeLock Ultimate Plus Plan provides the benefits of the other plans, along with information about new bank accounts opened in your name, bank account takeovers, investment or 401k activity, and credit monitoring from all three credit bureaus.
IdentityForce boasts more than 40 years experience in identity theft protection. Customers receive 24-hour support, real-time alerts, and identity recovery assistance.
The IdentityForce UltraSecure plan includes bank, investment, and credit activity alerts, identity theft alerts, and address change alerts. Receive lost wallet assistance, medical ID fraud protection, advanced fraud monitoring, dark web monitoring, social media identity monitoring, and a variety of other services. IdentityForce offers identity theft insurance of up to $1 million, and identity restoration services.
Choose the UltraSecure + Credit plan and receive the features provided with UltraSecure, along with credit score tracker, and monitoring from all three credit bureaus.
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