In this review of MCA, we're going to uncover the REAL truth about the Motor Club of America, their total security package and whether or not they deserve your trust.
This will be the last review you ever need to read because in this post I cover EVERYTHING and give you the unbiased and unaltered facts ONLY so that you can make an informed decision for yourself.
This will be a comprehensive review of MCA, here's what we'll cover today:
Is MCA a scam or a legitimate company? (i.e. Does it work?)
Should I actually join MCA? (Is my WHY big enough?)
What is Motor Club of America?
If you’re on social media, chances are you’ve heard of MCA aka the motor club of america. Maybe you’ve got a friend or family member that can’t shut up about it or you’ve been approached by a total stranger trying to sell you on the benefits of becoming a member, and you just want to know a little more about the company how it works and whether or not it’s a good idea for you and your family moving forward.
Here’s my promise.
If you read this post all the way to the end and don’t skip anything I wholeheartedly guarantee that you will have all of the information you need to make an informed decision about whether or not you should join Motor Club of America as soon as humanly possible or run for the hills and avoid MCA like the plague because in this post I’m going to break down whether MCA is a scam or if it’s legit, plus teach you a 3 step formula that you can follow to get daily leads and sales if you decide to become and associate, AND exactly how to follow up with your potential customers as an associate so that you can earn a bigger paycheck.
So let’s dive in.
Why MY MCA Review Is Better - (RANT BELOW)
Before I show you if MCA is a legitimate company or a total scam, I'm going to go off on a personal RANT as to why almost ALL of the other MCA reviews out on the internet right now totally SUCK and why this is the last honest Motor Club of America review you’ll ever need to read if you’re even remotely intelligent.
So click here to skip ahead - or read along at your own risk (not for wimps).
You’ve been warned.
Time is my biggest asset. It’s an asset that I know I’ll never get back. When I wanted to learn more information about MCA and the legitimacy of their services, I was so frustrated with all of the nonsense and garbage out there online that teaches you absolutely nothing about MCA, the company or whether it was truly a scam or if it was a legitimate company. So frustrated in fact that I wanted to tear out my eyes if I saw another stupid video or read another worthless blogpost on MCA and seriously contemplated throwing my laptop through the window…
Y’see I was tired of listening to people ramble on and on and ON in youtube video after youtube video about the gobs and gobs of money they were earning with motor club of america and just wanted to know if MCA could work for me and what I actually needed to do and the skills I needed to get good at to honestly be successful at it if I decided to become an associate for motor club of america.
So, after sifting through hours and hours of home video footage of people in their cars flashing money on youtube that they just pulled out of their bank I thought to myself “if these people are making money with it, surely I could too, right?”
Although many of these “top earners” on youtube and social media were making gobs and gobs of cash (supposedly) through MCA, I also stumbled across video after video of countless other people whipping out their smartphone and complaining about how it was “so hard” to make money with MCA and that they never got the help from their team that they were looking for after they joined and wanted to start promoting MCA as an associate.
Granted, you and I are both intelligent enough to understand that some people are just straight up lazy and give up on everything they do once anything in their uneventful life of comfort and mediocrity gets even remotely difficult them and they throw in the towel at the slightest inconvenience.
So what's the truth?
These are the same people that put up videos crying “scam, scam, scam” but never really tell you why it is in fact a scam. Ugh. More time-wasters - I’m looking for facts here baby, not why you gave up and quit something in your life…. Again.
I mean, we all know people like this don’t we?
If it’s hard work, it’s a scam. If it costs money, it’s a scam. If it doesn’t pamper me and pinch my butt while walking through a proverbial field of daisies and skittles riding on the back of a beautiful white unicorn named Francisco it’s a scam. Truth be told, most things people call a scam really aren’t, most people simply aren’t conditioned to ask the right questions before starting something and they (in all reality) aren’t even serious enough to follow through with their initial goals because they don’t get clear enough on WHY they must at all costs succeed.
Think about the gym.
These people are the same reason it’s packed in January, and abandoned just one month later in February. They haven’t made their WHY big enough yet. Understanding that all of the scam videos I ran across came from people like this, I knew that I could not trust a single word they were saying about MCA because they make all of their decision based on emotions and not facts further explaining why they’d call just about anything a scam, so instead, I turned to google.
Dumb, dumb, DUMB!
Google was not any better. Shocking, I know. I paged through page after page of mind-numbing blog post after blog post. It’s like these same people wrote blogs just to clog up the internet with their opinions and to make themselves feel important when other people joined in with them in the comments sharing their sob-story about how life is tough and the world is out to get them too.
What’s worse is that you’ll run into people like this, who’s only goal is to bad-mouth one company to scam you into joining their company. They tell you everything you want to hear, explain to you that the company and the products are a scam and don’t work, then try to sucker you into joining their “make money” opportunity or buy their info-product.
All fluff, and no facts.
I was quickly realizing that listening to these people was not getting me anywhere and that I need to get clear on what information I actually needed to make an educated decision as to whether MCA was a scam or if it was truly legit. I think that point is so HUGE, it needs to be repeated for those of you just skimming this post but not really paying close enough attention yet….
So what questions should you be asking?
You’re smart to want to know more about MCA before getting started or not with the company because if you do a simple google search for “mca review” you’re going to get “bombarded by the doofuses” whom most of which don’t have a clue, and most of what they’re talking about doesn’t even MATTER because they’re not answering the RIGHT questions.
I quickly realized that I was not asking the right questions from the get-go and I needed to rethink how I was looking at motor club of america and start asking the right questions in order to get the information I actually needed to make a decision.
Regardless of what anyone else was saying about MCA online or trying to get you to buy, here are the three questions you SHOULD BE asking about motor club of america before getting started:
Is MCA a scam or legit? (Does it WORK?)
How do I succeed as an Associate? (Can I do it?)
Should I actually join MCA? (Is my WHY big enough?)
So without further adieu, let’s dive right in and start answering these three questions one by one so that you can make an informed decision. Ready? Let’s go...
Is MCA a scam or legit? (Does it WORK?)
First, let’s determine if Motor Club of America is a total scam or if its a legitimate roadside assistance company. Since intelligent people realize that listening to someone’s opinion on youtube is simply not enough to validate a company’s legitimacy because people lie all the time for their own personal gain and based on their current results in life, they can actually cast a bias based on their beliefs, we’re going to look at some key facts regarding MCA as a company, their background and their product to make an educated decision based on facts instead of people’s opinions.
Think about a chicken.
Some people call them chickens. Some may call it a bird. Even more may call it correctly (or incorrectly) a rooster or a hen. They’re all right aren’t they? Why? Because these are based off of proven things that we know about the chicken. Now if we get some joker that comes along and attempts to tell you that the bird you’re looking at right before your eyes is a cat, you’d probably laugh them out of the neighborhood. Even if they start posting blog posts, youtube videos and gather a hundred thousand other brainwashed hippies to their cause, all trying to convince you that what you’re looking at is in fact a cat… they’re still wrong aren’t they? Why?
Because once a chicken, always a chicken.
Regardless of what other people think or say, we know (based off of facts and truth) about the bird that it is in fact what we’d classify as a chicken. Same goes for MCA. Regardless of what other people think, say, believe or try to convince you of, we’ve gotta come straight back to the facts and DNA of the company, it’s products and services to make an informed decision. (Unless we’re one of those dumb naive types that simply believe everything they hear to be true and blindly follow like a starving dog looking for it’s next meal.) So let’s start with the company and a brief history and track record…
How long has Motor Club of America been in business?
MCA was founded in 1926 by three brothers, William, David and Samuel Green. Born in Atlantic city to Russian immigrants, the oldest brother William W. green was the founder of the motor club of america and it’s chief executive officer until he and his brothers David and Samuel sold their controlling interest to Trac Inc., (owners of the Thrifty-Rent-A-Car system) a Florida based company founded in 1950 that was reputable and known for providing car rentals and business services for leisure travelers.
Aided by his brothers, David and Samuel, William started MCA at the perfect time toward the end of the 1920s, just as many American households began purchasing and using their first car(s) and built the motor club of America into a major insurer and auto-service agency in New Jersey, and eventually branching out across the rest of the northeast US, the southeast and began opening offices across the nation branching out into the Midwest and eventually the entire United States.
For over 50 years, William, David and Samuel Green worked together using motor club of America as a platform to provide emergency roadside assistance services, automobile towing, auto repairs and even roadmaps for drivers that were members of MCA all over the country. In 1986, after the Green brothers finished selling their their controlling interest to Trac INC., Trac INC took the company international and by 1992, the Motor club of america was conducting business and serving customers in all 50 united states and all across Canada. MCA was purchased in 1996 by TVC marketing.
What is TVC Marketing?
In 1996 TVC Marketing became the owners of Motor Club of America and still own and oversee day to day operations of MCA today. TVC marketing (which stands for 'Truckers Voice in Court’) is the marketing arm of TVC Enterprises, a veteran of the motor club industry and actually used be the entire marketing arm of Prepaid Legal.
TVC’s founder Virgil Coffee (yes, that’s his real name.. lol) shown above established TVC in 1988 has has created marketing plans for successful multi-million dollar companies including Prepaid Legal and the Traveler’s Motor Club.
In my research, there were tons of videos claiming MCA was over 90 years old and some that claimed they’ve only been around for 30+ years So the information you just read through obviously clears up the common misconceptions and gets down to what exactly the truth is regarding the age of the motor club of America and how long they’ve been in business.
What does Motor Club of America Do?
MCA is the largest emergency roadside assistance company in the United States and Canada. Motor Club of America provides roadside assistance plans for automobiles, trucks, RVs, trailers and motorcycles with over 150,000 in member benefits including towing, attorney & legal fee coverage, travel discounts and more.
What is MCA Total Security?
MCA has a membership plan called “Total Security” that provides the services mentioned above and includes over 150K+ in membership benefits.
Members of MCA’s total security plan receive unlimited roadside assistance, travel assistance reimbursement, discounts and help with travel planning and reservations, arrest bonds, bail bonds assistance, attorney fee assistance, stolen vehicle reward, credit card protection, pharmacy, vision and dental discounts, emergency reimbursement benefits, daily hospital benefits and more.
MCA Total Security Membership Benefits
Unlimited Roadside assistance
This is something that really impressed me. If you’ve ever had to call a tow truck or wrecker you know it’s not cheap. I’ve been in the ditch multiple times, had timing belts break on me, lower control arms snap, flat tires and even had a transmission explode on me while screaming down the interstate at 75 mph (that was a mess!).
So I wanted to see if MCA members literally pay zero out of pocket when they need roadside assistance - the videos I found were pretty awesome, check it out:
Considering the average tow typically will cost you anywhere from $35-$125 (five miles or less) to $125-$280 (40 miles) or more, for just $19.95 a month Motor Club of America really got it right with their unlimited roadside assistance coverage considering just one service call per year could pay for your entire membership.
Unlimited means once service call per day throughout the entire years which, if you have multiple drivers in your home is huge and when compared to similar roadside assistance companies like AAA or Good Sam which limit you to only 2-4 service calls a year, this is a real no-brainer.
Unlimited Lockout Service
I don’t know how many times I’ve locked my keys in the car, and this is one thing that really can send me through the roof. It’s usually at the worst time too - on the way to work, on the way to pick up the kids, in fact, I actually locked my keys in the car at a cemetery during a burial service for my Grandpa; it was the worst. Everyone left after the service and was stuck there, watching helplessly as my wife shivered in the cold air while we waited for someone to unlock my car.
For people like me who hate paying $55 a pop to watch a locksmith show up, wedge a balloon between the door and pop the lock in under eight minutes, you can quickly realize the value of not having to pay out of pocket everytime you need your keys back.
Unlimited Fuel delivery
I can see where this would come in handy, especially if you’re out of town or in an area you’re not familiar with and suddenly run out of gas. I found countless videos of folks stranded by the side of road who (after running their vehicle on fumes) literally ran out of gas and needed fuel delivered.
I watched video after video of people picking up the phone, calling MCA and having gas delivered to their location instead of having to walk who knows how many miles until they found a gas station, buying a gas can and walking all the way back to their car.
Unlimited Tire Changing
Nobody likes changing a flat tire. Most can do it if they absolutely need to, but would gladly call someone else in to do the job for them while they wait in their vehicle or play games on their phone, especially if it costs them zero out of pocket.
Again, I found video after video of people being assisted by MCA and paying absolutely nothing to the guy or gal who came out and changed their flat just because they were a member of MCA. More proof in my mind that MCA is a legitimate company that offers a proven product & benefits that their members actually want to purchase and use month after month.
Unlimited battery Boost and Jumpstarts
You get in your car or truck, you need to be somewhere quickly, you go to turn over your vehicle and it doesn’t start. Fantastic. You then spend the next hour and a half trying to get your car or truck to start before finally calling a towing company to come out and give you a jump.
The towing companies usual make a killing for battery boosts and jumpstart services, and nationwide there is a rise in monthly phone calls for this type of service, so I can see why so many people in these videos are so happy with MCA's total security benefits.
Another thing to note is that MCA’s total security plan protects YOU, not just your vehicle meaning no matter what vehicle you are driving, you are covered. Motor Club of America will also pay up to $100.00 to provide emergency roadside service to Motorcycles, RVs, Trailers and all vehicles with a load capacity of 1 ton or greater.
Travel Assistance Reimbursement
If a member’s vehicle is ever disabled in an auto accident, MCA will actually reimburse you up to $500.00 for a rental car, your hotel or lodging expenses and even reimburse you for your meals if the accident happened more than 50 miles away from your registered home address. I was very impressed at how simple the process actually was to get reimbursed for this type of service. All you have to do is call into Motor Club of America’s customer service number and request a claim form, then simply submit to them the required information within 90 days of the accident. Short, sweet and an easy process to get reimbursed - and I like easy. :)
Trip planning and Travel reservations
This is actually a really neat service and you don’t hear alot of people talking a whole lot about this online. My wife and I LOVE to travel, and really enjoy finding local places of interest and restaurants or destinations that aren’t so touristy but have more of the local, hometown vibe to them. However, planning the actual trip can be a real pain in the neck, especially if you’re not from around there or have no contacts in that area because almost ALL of the information you find online about a destination or place is only what the search engines want you to see.
If you’re into one-of-a-kind experiences, or a trip worth remembering, MCA’s planning and travel reservation assistance is really great. It’s a free and simple to read computerized mapping service that lay s out for you step by step the local places of interest, all of the resort, motel and hotel information found along your travel route and you also have a one-stop airline, car rental and hotel discount reservation service that MCA provides free of charge to their members. All you have to do is fill out a travel information card or call customer service and they’ll take care of the rest, sending you the information you need to plan a great trip without having to do all of the research yourself.
As a member of MCA's total security package you'll also get up to 15% off on popular hotels and motels that you already use anyways. Even for folks who don't travel real often, this is a great way to save on lodging when you do travel.
Arrest Bonds, Bail Bonds and Attorney Fees
As a member of MCA, if you’re ever involved in a traffic violation, your membership card may actually be used in lieu of cash bail up to $500.00. Although most states accept this certificate, in some states arrest bond certificates are not acceptable or of different value. For instance, in Maryland, your MCA bail bond certificate is acceptable for $1,000.00, and in other states it may be less. A quick phone call to MCA customer service will let you know coverage in your area.
MCA will also arrange up to a $25,000.00 bond to release you from incarceration if you’re ever charged with a moving traffic violation such as auto related negligent homicide or vehicular manslaughter. Motor Club of America’s legal department in is top-notch and will provide the best assistance possible, all you have to do is pick up the phone and call them.
Members are also entitled to up to $2,000.00 in attorney fees for and attorney to defend you against police charges resulting from driving your covered vehicle. These are all things I’ve never had to personally deal with, but I couldn’t imagine the massive amount of stress and worry this could take off of someone’s shoulders if they were ever involved in an unfortunate situation like these. As a member, the added peace of mind that I could rest easy should anything like this ever happen to me would be totally worth it for me.
Stolen Vehicle Reward
It’s crazy that we even have to deal with things like this these days, however if an MCA member’s vehicle is ever stolen, Motor Club of America will actually pay a $5,000.00 reward to the police enforcement agency or individual responsible for providing the information leading to the arrest and conviction of the person or persons responsible for stealing your vehicle. For most of us, that can be even more than our vehicle is even worth. Personally, I think it’s neat that that $5K goes to the law enforcement agency or an individual just for doing something that they were most likely going to do already. That’s a big incentive that could really help somebody out. The $5K reward is not payable to you, your family or other members listed on your motor club of America membership account.
Car Rental Discounts
MCA total security members get up to 50% off of car rentals at some of the best providers across the nation like Budget, Avis, Enterprise, Alamo and many, many others.
If you're anything like me, it seems like whenever we book a trip, my least favorite thing to do is shop around for the cheapest car rental agency or settle for second-rate service just to get a cheaper rental car, so getting a discount on a credible car rental company that is going to provide me with great customer service is a huge plus for me.
Credit Card Protection
I’ve had my cards hacked twice. Once with my debit card, and another my credit card about 4 years apart from each other. Both times I only got back a few of the charges because my credit card company was not able to prove all of the purchases. If you’re ever a victim of identity theft or someone decides to go on a shopping spree with your hacked credit card details, MCA will cover losses of up to $1,000.00 plus they’ll even work with you to recover from the act which is awesome. This benefit isn’t available for motor club of America members in Texas, but for the rest of us that $1000.00 is a big deal, especially if you’re credit or debit card company decides to get stingy and not credit you back for all of the fraudulent charges.
Vision, Dental and Health Discounts
For Motor Club of America members that reside in the United States, you’ll get access to a complimentary WellCard which will give you (and everyone living in your household) access to some pretty wild discounts, including:
This doesn’t replace your health insurance, however it works hand-in-hand with things you’re already dealing with to give your even more support and discounts. A neat thing about the WellCard you get is that even if you decide to cancel your total security plan with Motor Club of America, you still get to keep your WellCard as a bonus thank you gift from MCA.
Emergency room Reimbursement and Hospital Benefits
This is super cool. Members will receive up to $500.00 in emergency cash for visits to the emergency room or trauma center treatment as a result of an injury from a covered accident. MCA will pay you up to $100.00 each for the cost of casts or splints, ambulance service, anesthetics, xrays and/or use of the emergency room facility.
MCA total security members also receive up to $54,750 in cash benefits just for staying in the hospital meaning, as a member of MCA you will be paid $150.00 per day beginning the very first day you are hospitalized as a result of any covered accident. They pay you $150.00 a day for every day you are in the hospital for up to 365 days. All you have to do is file a claim within 90 days of being discharged from the hospital.
As a total security member, you may also may enroll (for free) in MCA’s accidental death coverage, which pays up to $50,000 for members. You must be enrolled and submit your forms to their corporate office before coverage goes into effect.
AAA vs. MCA
AAA vs MCA, which is better? This is a topic that I stumbled across a lot in my research of motor club of America. Although at first glance and on a surface level they may seem very similar to each other in regards to the roadside assistance and services they off, the bottom line is that, when compared apples to apples, MCA beats AAA in almost every facet of their service. If you’ve even remotely read through MCA’s membership benefits I listed above, you’ll be able to quickly understand why they are far superior not based solely on my personal opinion or anyone else's, but by simply reviewing the coverage of each company and comparing them side by side to each other.
So let’s take a look at the numbers, the benefits and coverage of both Motor Club of America and triple a, and you decide for yourself which is better, MCA or AAA. Let’s take a look:
AAA vs. MCA - Credibility
Both the Motor Club of America and AAA have been around for years and people love them. Both have an A+ rating with the better business bureau, the have real offices across the USA and Canada so people can rest assured that their members receive what they say they will. Since both companies are highly credible in the roadside assistance industry, I based their credibility scores on both customer retention and how they treat their employees.
Here's where AAA clocks in:
And MCA's ratings can be found here:
According to GlassDoor.com, MCA has a significantly higher rating among their employees and customers with 99% of customers saying that they’d recommend MCA to a friend and 100% of employees stating that they approve of the the CEO. AAA doesn’t even come close with only 52% of customers saying they’d recommend AAA to a friend and only 60% of employees approve of the AAA’s CEO Robert Darbelnet.
From the social media buzz and staggering amount of youtube videos and testimonials it seems that Motor Club of America members use their MCA member benefits more frequently, sometimes multiple times per month whereas members of AAA more times than not simply have AAA “just in case” and seem to use their AAA member benefits far less often.
Winner (Credibility): MCA
AAA vs. MCA - Coverage
When compared to AAA, Motor club of America really does an outstanding job at making sure their members are covered and taken care of properly. AAA is also very good in the area, however after extensively researching their website and coverage options, they have much more fine print that a member needs to familiar themselves with compared to MCA. One could say that AAA is more of a band-aid for skinned knees and small cuts, and MCA is the neosporin, stitches and pain-reliever of the automotive roadside assistance industry.
I don’t like the fact that motorcycle owners and RV owners have to pay an additional monthly fee for their coverage with AAA, (RVs and trailers based on size I believe). I feel those things should all be rolled into the monthly coverage plan, but that’s my own personal opinion. In terms of coverage, MCA wins this one too as they have a deeper, more comprehensive coverage plan.
Winner (Coverage): MCA
AAA vs. MCA - Benefits
With benefits in the ball park of $150,000, it’s pretty hard to compete with an industry giant with the laundry list of auto, travel, vision, dental and health benefits line up like MCA has.
Although both AAA and MCA will come racing to your side to aid you in your time of need should you ever find yourself stranded or broke down on the side of the road, it’s fairly easy to see that Motor Club of America members enjoy a wider array of member benefits than AAA members do.
Winner (Benefits): MCA
AAA vs. MCA - Pricing
In terms of monthly fees, AAA’s pricing can fluctuate based on whether or not you need to pay for extra coverage or benefits, especially if you plan to cover your RV or motorcycle. Their premier plan will either be less or more than MCA’s total security plan based off of your preferences.
In terms of the cost-to-value ratio however, MCA takes the cake in this category as well due to the fact that their members benefits are far superior to what AAA has to offer. From unlimited roadside assistance and towing calls (which would typically cost you over $100 a tow) to discounts on things you’re already going to purchase like vision, dental or even shopping online, AAA may have a cheaper monthly fee, however when it comes to price vs. value MCA is the clear winner here as well.
Winner (Pricing): AAA & MCA
AAA vs. MCA - Customer Service
For customer service, I took a closer look at both the reviews on the better business beraue and also customer posted videos on youtube to determine which company had better service. I called into customer service for both AAA and MCA and found both representatives from each company to be quite helpful, knowledgeable and friendly.
Many of the negative reviews I found were due usually from odd-ball situations like this one here for AAA where a guy was wanting to have his truck towed somewhere so he could get to work:
What this gentleman was asking to do was clearly against AAA’s coverage and terms, however because this guy never read through them and clearly didn’t understand his policy, the poor rep from AAA that was trying to help ended up getting an earful, and eventually hanging up.
Videos like this are bad publicity for any company, even if the company isn’t at fault for the member’s lack of understanding their policy. Again, since AAA has a little more fine print than MCA does in their policy and membership benefits, there is a greater chance for AAA customers to become more irate and post nasty video like this one.
MCA also had it’s fair share of wild and irate customer videos, but again in almost all videos I ran across both AAA and MCA were not at fault, they were just upholding their company policies and honestly trying to do the best they could to remedy the situation.
This is just another reason it’s a good idea to do your due diligence and understand your coverage plans with AAA or MCA, so that you don’t make a fool of yourself calling into the company and posting garbage videos of you ranting online, when you in fact are the cause of your own personal headaches because you didn’t educate yourself first.
Winner (Customer Service): MCA
The Verdict: MCA is Better than AAA
So in summary of AAA vs. MCA and after copious amounts of research on your behalf, it seems that Motor Club of America clearly has a far superior product and coverage plan than AAA, and for the value it makes more sense to go with MCA if you’re looking for the better service plan and benefits.
How To Succeed As an MCA Associate (Can I do it?)
Instead of shelling out millions of of dollars on traditional advertising veins like billboards, radio ads, TV commercials or Google adsense, MCA allows the average Joe or Jane to become an “associate” for the company and instead pays their associate to refer business to them and generate new customers and clients for the company. In fact, 100% of Motor Club of America’s advertising is done by word of mouth, and, as an associate someone can either earn some part time supplemental cash or grow their income to an actual career.
There are a couple big pros to choosing to do their marketing via word of mouth instead of traditional advertising, The first is that MCA (or any company that generates new revenue this using word of mouth advertising) saves a enormous amount of money every single month because instead of shelling out $400,000 up front for an ad, the company only pays for conversions, meaning that when a new customer is acquired, MCA chooses to pay the associate that referred the new member instead of an advertising company.
Conversion ratios are far higher per dollar invested, and a company that does word of mouth advertising only has to pay for production. As a small business owner myself, this is huge, and the value of word of mouth referrals seem to beat any other type of advertising i do every single time.
Another pro is that by advertising via word of mouth only, companies like MCA are able to create additional employment opportunities for every day folks, typically without requiring a laundry list of credentials, diplomas and/or previous job experience because almost all training will come from associates in the field allowing new associates to learn on the job and in the trenches beside people who are already succeeding in the company. Although these “jobs” most often come in the form of a 1099 tax form instead of your typical w-2’d employee, this is both good for the economy and it allows companies like motor club of America to pay based on performance, not on how many hours an associate clocks in.
As a small business owner, I would much rather pay someone based on the job done vs. how many hours it takes them to complete. This gives them incentive to get the task done faster because the faster they work, the more they “make more per hour”, and as the business owner, I’m not shelling out thousands of dollars for Joe Schmo to drag it out and milk me for more cash when he could’ve completed my project in half the time.
The down side to word of mouth marketing is that, often a new or inexperienced associate of a company will look for shortcuts or start cutting corners to make a quick buck. These are the people you see online that promise you’ll “get rich quick” and never tell you that you actually have to put in the time, fill out paperwork and actually get trained so that you can learn the right way to acquire a new customer for the company so that you can earn a paycheck.
Is MCA a pyramid scheme?
Nope. Not even close. Thankfully, unlike a pyramid scheme, MCA doesn’t pay you to recruit new associates. With a pyramid scheme you get paid for recruiting people instead of selling a legitimate product, which eventually will implode on itself when people start quitting or the FTC swoops in and shuts a company down.
Just like a real estate agent who gets a small commission for helping someone purchase a home, Motor Club of America pays their associates a referral commission for helping someone purchase MCA's total security plan.
With MCA, the only time an associate gets paid is when someone purchases their products like the total security membership. MCA pays you absolutely nothing for recruiting associates. This should give anyone considering becoming an associate for MCA a great peace of mind, knowing that what you’re going to be doing in your new “career” is ethical and you don’t have to be concerned about the FTC ever shutting the company down for scamming people.
How do I get paid?
Before I show you how to acquire new customers for MCA, it’s important for anyone taking a serious look at becoming an associate for MCA to understand the ins and outs of Motor Club of America’s compensation plan. It’s fairly straightforward however, in my research, there are few very important key points that I feel most people online either omit or forget to mention.
As an associate for MCA you will be placing ads in a specific way so that people looking for MCA’s roadside assistance services ask you for more information. You will then send these people more information and a link to enroll in MCA’s roadside assistance services. Some will see the value in the membership and become a member, some won’t. Anytime someone purchases their total security membership because of an ad that you placed, MCA will pay you $80.00.
If, because of the ads you place for the week, 10 people decide to become a member you would earn $800.00. MCA processes paychecks every Wednesday and you are paid the following Friday. Someone wanting to make an extra $40,000.00 a year as an MCA associate would simply have to place enough ads to generate approximately 10 new sales per week. ($80 x 10 x 52wks = an extra $41,600.00/yr)
A closer look MCA's compensation plan
MCA also pays their associates bonus commissions based on what happens inside of your customer base during any given month, meaning if you’ve got a couple buddies that also decide to become an associate or a handful of people that became members of MCA from the ads you placed and decide that they also want to become an associate and get paid for referring business to MCA, you could earn a bonus commission based on their performance as well.
Any time an associate that was personally enrolled by you refers a new customer, MCA will pay that associate $80.00 and in addition, pay you a $6 bonus commission. $6 may not seem like much at first, however if you’ve got 20 or so associates making five to ten sales a week in addition to your own personal production it can add up rather quickly. ($6 x 20 x 5 sales/wk = an extra $31,200/yr)
As an associate, I wouldn’t rely on bonus commissions to pay your bills every month, instead, you should always remain focused on placing enough ads so that you can hit your weekly income goals based on your own personal actions, and use the bonus commissions as just that - an added bonus.
What is MCA's cash winner bonus?
There is also something called a “cash winner bonus” that allows you to earn $80-$90 per customer referral from your ads. If, from your ads this week, 5-9 people become a new MCA total security customer, you would actually be paid $82 per referral. ($80 base + $2 bonus = $82). If, from your ads you referred 10-14 new customers in a week you would earn $84 per referral. ($80 base + $4 bonus = $84). Fifteen to nineteen new customers this week = $86 per referral, Twenty to twenty nine new customers in a week = $88 per referral, and 30+ new customers in one week = $90 per referral. This is something to really take advantage of - at just 20 sales per week you would earn an additional $120/wk.
What is the MCA health bonus?
In addition to bonus commissions and the cash winner bonus, MCA also pays out a “Health bonus” to qualifying associates. To qualify, an associate must have an active total security membership and refer at least 45 new customers in one month. Any associate that does this is rewarded and additional “health bonus” of $100. When you refer 65 new customers in a month, the health n=bonus jumps to $213 for any associate that does this. 85 new customers in a month = $480. 105 new customers/month = $525. 190 new customers/month = a $600 “health bonus” added to an associates paycheck.
What is a chargeback?
There seems to be a lack of knowledge or a misconception on what this actually is. MCA’s chargeback policy is actually not a bad thing. In fact, the chargeback policy is a good thing. The chargeback policy protects motor club of America from going out of business and allows them to continue to pay their associates every Friday. If an associate is promoting MCA’s roadside assistance in a slimy or unethical way, they may start to see chargebacks on their account.
A chargeback can happen one of two ways. If a member wishing to cancel their MCA total security membership calls their credit card company and disputes the charge instead of calling MCA’s customer service, this can lead to a chargeback for the associate and potential future credit score issues for the member filing the dispute. What most people don’t understand is that this is actually credit card fraud on the member’s end, and that their credit card company can actually take them to court or worse, make a big hit on their credit score for filing a fake dispute. People need to understand that if they no longer wish to become a member, they can simply call customer support and cancel at any time.
The second way a chargeback happens is if a member cancels their membership within their first 17 months of being a member. One of the reasons MCA can pay such a large commission on their total security plan is because the average customer keep their membership for at least 17 months, allowing them to pay the referring associate an advance commission of $80.00+ per customer. Chargebacks are never taken from an associates card or bank account, they are instead simply deducted from future commissions an associate would earn and total chargebacks cannot exceed 50% of an associate’s paycheck for the week.
How to avoid chargebacks
Chargebacks rarely happen unless you are promoting or advertising in a slimy or unethical way, so for the majority of associates who are doing things the right way, MCA has put in place something called a “chargeback bonus”. MCA’s weekly chargeback bonus was put in place to reward associates for doing things the right way and helping uphold Motor club of America’s reputation. Any associate who, from placing their ads refers 15 or more new customers in a single week will qualify for MCA’s “chargeback bonus” which prevents ALL chargebacks from being deducted from their commissions for the week.
Again, when people understand the full benefits of becoming a member of MCA’s total security package, and you are only sending information to people who actually want to use MCA’s services, you will keep chargebacks to a minimum and be compensated accordingly.
Final thoughts on MCA’s compensation plan
Overall, MCA’s compensation plan is a pretty solid one. Most people like the fact that they can earn $80.00 for just one new customer referral, and when you’re trained how to place ads in a specific way so that you’re only sending information to people that ask for it, it takes a lot of pressure of off new associates who are just looking to earn their first paycheck or two.
Here are some testimonials of folks who are having great success as an associate, placing ads online for about 2-3 hours a day:
What's my next step?
If you're taking a serious look at MCA and thinking about becoming an associate so that you can start earning a paycheck for referring customers, you're going to want to know how you're going to generate leads consistently. Learn how you can get daily leads for MCA here:
If you've found this post helpful, please leave me a great comment below and continue to the next page where I'm going to show you step by step how we train our new associates to generate potential customers and daily leads for Motor Club of America.
About the author: Full-time family man, successful entrepreneur and fellow big thinker, Jacob DeBoer continues to contagiously inject unbridled hope, unshakeable wisdom, and unstoppable wealth into the lives of thousands across the globe ...will you be next?
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