Is Motor Club of America (MCA) One Big Scam? What You Need to Know.

motor club of america homepage screenshotI promised I would find out if Motor Club of America (MCA) is a scam. I have come to the conclusion that it is not. However, I’m not a fan of it’s referral system. I find it questionable for several reasons and if you plan on joining this business, whether to receive it’s benefits or to promote it, you absolutely need to know what you’re getting yourself into. 

Motor Club of America in a nutshell:

Think of popular roadside assistance benefits you get from companies like AAA, your auto insurance and other places. This is what MCA essentially is. But in addition to that, they also provide you with benefits that go beyond just towing.

The price for being a member of this organization varies as there are several options. Either way, whatever membership you join, it will cost you month to month. And the overall price of this membership is higher than other competitors.

This certainly makes MCA less attractive for most people to try as well as the fact that it’s not as mainstream as the other businesses that offer the same things.

But this is where things get interesting…

MCA also offers a referral program to it’s members. In other words, when you become a member of MCA, you also have the option of recommending/selling it to people. If you can successfully do this, you can make monthly commissions from each person you refer.

In addition to that, you can also make commissions off people your referrals make as well! It’s not going to be as much as people you directly refer, but it’s something that adds up and people have been building entire businesses off doing this.

This is where the MLM question comes into play. MLM which stands for multi-level-marketing is a form of business where people can make money through a “pyramid like” fashion. You not only make money through referring people into an MLM, but through people they refer as well, and downwards, but the money flows up. This brings up a VERY important question…

Is MCA a pyramid scheme? 

The answer is no. Pyramid schemes and MLM’s have a lot of things in common (full explanation), the most notable indicators being:

  • There being NO actual product.
  • There being/not being a product, but the price of it being priced beyond what’s considered fair.

In Motor Club of America’s case:

  • There is a product. It’s a service being provided.
  • The cost of this service is relatively fair.

Taking this into account, MCA is not guilty of being a pyramid scheme. But I did mention before that I’m not a fan of it’s referral program because it is in fact an MLM.

Some people are huge fans of this business model. I am not one of them. There are exceptions to this such as MCA and the truth is you CAN make money through this program, a good one at that. But it is also true that a lot of people who get into this company are not going to succeed for a number of reasons. 

1. You do get training to help make selling MCA easier. I can’t vouch for it’s training since I haven’t personally seen it, but it involves doing offline/online marketing. We’re talking door-to-door sales pitches, business cards, trying to get your friends to join and basically things that are normally VERY difficult to do. Think about it, when was the last time you accepted a sale’s pitch from a phone, a knock on the door or a friend? 

On a side note, there are training programs like Get Weekly Paychecks focused entirely on helping you promote MCA specifically, but they are going to cost you extra to try. 


2. Online marketing is probably your best bet if you’re going to want to sell MCA to others. You’re looking at a market which is “monopolized” by insurance companies and businesses like AAA. How are YOU possibly going to get people to join a company when it’s more expensive and the competitors are probably more convenient?

When I look at MCA’s main website (an improvement from it’s “original” one), it doesn’t strike me as “official”. And this is my first impression. Whose to say that others aren’t thinking this too which makes the process of selling it that much more difficult.

This is where people who are MCA associates would say “Well why not tell them of the opportunity to make money with the business”. That is a good argument, but then the question I pose is this:

Are you joining MCA to actually receive a service or to make money with it? Some people would say both, but those who say it’s to make money are in my opinion people who shouldn’t promote the business. 

I also find issues with the referral program because I am from a freelance point of view when it comes to making money online/offline. I believe if you’re going to run your own business, it should be through a personal passion/idea of yours. If your passion is to promote roadside assistance, then MCA may be what you’re looking for, but you’ll still need proper guidance to promote it.

With MCA, even though you can make money and do it from home, realistically you’re looking at a 24-7 job where you’ll likely be getting no customers (worst case scenario) OR calls on a daily/nightly basis (best case scenario) and trying to pitch the business to other people. 

Not everyone who calls will join and if this is something you’re truly ready to do, understand that it will take time away from other things you could be doing: Another job, working on a different business idea. Plus take into account that this like any other business will take time to develop. Don’t except overnight riches from promoting MCA because it’s just NOT going to happen.


  • It is not a pyramid scheme. 
  • There is an opportunity to make money promoting the business to others.


  • It is basically an MLM program. 
  • If you can’t vouch for the quality of the business, I don’t believe it’s right to sell it to others. 
  • Competitive market to succeed within. Online marketing is probably your best bet. 

Final Rating: Motor Club of America (MCA)

3 stars

Yellow Light (Caution)

3 out of 10 stars. You do get services and the potential to make money is there, but overall I don’t think it’s worth the time/effort and there are MUCH better alternatives.


My final thoughts: 

While MCA does have a good business model to promote itself, I question whether the quality of the service they offer is really that good. There are a lot of people saying that it is, but if you dig deeper, you’ll see a lot of these people are saying that because they want to refer you into it to make money in the process. This makes me question whether the business is as good as they say. This is my biggest “issue” with MCA. 

Honestly, if you’re reading this, are an MCA member and NOT promoting it, I’d love to hear your thoughts on whether or not the service is as great as the competitors. If it is, I may raise my rating of this business. 

honest review


  1. aimee

    I am a member of MCA, I personally have only done a handful of referrals myself. But I did use my prescription benefits yesterday on my child’s medication. Normally after my private insurance I pay $65.78 for 1 asthma medication. With my benefit card I only paid $17. I didn’t have to switch any pharmacy. I used our routine pharmacy.
    To others it may be scammy in the way it portrays itself. . For my family the little bit of savings was a plus.

  2. Carli Smith

    I’m wondering if all they offer is for real or not. 19.99 a month for Towing and road side assistance, that I believe. But other benefits include life insurance, hospitalized ins, bail bonds, all kinds of stuff. So in theory if all these things they offer are true then yes it would definitely be worth the money. But that question remains. Has anyone ever received any of these from MCA? Are there claims reputable?

  3. Claudette Christy

    Hi, I loved your review. When I’m speaking to a potential customer or agent, I give them details on both. I’ve been working at home for about a year though Motor Club of America and I love it!

      • Vitaliy

        Hi Tirria, if I were an MCA agent, I would only rely on online marketing through this type of strategy and find the niche audience who is in need of the services they (MCA) provides (not the referral program) and chase that.

        For example, I would start a website on helping people find cheap alternatives to car insurance, compare rates from other places to MCA and let people know the prices. Then from there, it may be easier to get the leads.

      • Vitaliy

        Well Chris, this is a problem many people have with sales nowadays, especially network marketing companies. What I do recommend is framing your sales angle from a niche perspective, meaning finding an audience that would perfectly seek and benefit from MCA’s services. This is the type of blueprint one company has taught me that I have seen consistent results from.

  4. Javier medina

    Honest review unlike others who cannot do one.. MCA is in fact a very competitive product I myself focus in selling the membership benefits more then the opportunity.. With the $9.95 a month plan our members get basically all the same benefits and services only differnce is less towing then our popular $19.95 a month… For $120 a year you qualify for towing, up to $57,000+ in yearly hospital benefits, up to 65% off dental vision and pharmacy $2,000 in legal fees $25,000 bail bonds and much more,

  5. Scott

    I enjoy your blog and feel like you are honest in your knowledge when you post your reviews. However, I think you might want to look at MCA at little more. I have done some research on MCA and the question I have is how good is the service that they provide? It is cheaper than Triple A and you get additional perks as well. With that being said, when you have a blowout in the middle of nowhere, are they going to hold up their end of the deal? That’s where the rubber meets the road for me. If the service is good than to me this program is a no-brainer. Another thing I like about MCA versus say the Instant Rewards Network is the kind of people you can approach with this service. You CAN actually sale this service to the white collar crowd and it’s not built around recruiting like so many MLM’s are. You could approach people that might simply be interested in getting affordable road side assistance. With IR you knew that 90% of the people didn’t care about the products and services. That to me made it have the icky feeling of an MLM that I have always felt uneasy about. And the majority of leads that I got with IR were people that didn’t really want to work. They wanted a get rich quick scheme and most of them were tire kickers. I’m going to do some more digging into this program but so far I’m intrigued with MCA.

    • Vitaliy

      I absolutely agree with your question. If MCA really does provide great service, then I would in not mind giving it a better score, in spite of it being an MLM. However in my experience, even the legitimate MLM’s who have a good product/service are usually popular not because of that, but because of the recruitment process that takes place.

      Like you said, the people who joined IR were those who didn’t want to work. I figure they felt if they joined, money would come pouring in. I assume there’s tons of people who also have that mentality with MCA as well as any other MLM program so when they join, I don’t think it’s because they want the services, it’s because they want to make the money selling the same idea to others.

      Now this doesn’t speak for the actual services of MCA. They could very well be amazing, but I have yet to hear about this from anywhere other than MCA affiliates which makes me wonder…

      To really know if what provide is good, we’d need to ask an unbiased source. Let me know if you find out anything further on this. I too am very curious 🙂

  6. Alice

    Hi Vitaliy. Thanks for the great review. What I’m not clear about is your opinion of multi level marketing in general. You seem to be biased against them. There are many financial gurus, like Robert Kiyosaki, who say that MLMs provide the common man (my term) with the means to have a big business, and hence the opportunity to become financially independent. What is your opinion?

    • Vitaliy

      Hey Alice, there are certainly opportunities within the MLM world and the potential to become financially independent DOES exist. However there’s a tons of issues I have with these businesses:

      I am a bit biased towards them yes, because I feel most of them share traits with pyramid schemes. You’re looking at businesses whose main purpose is to attract people into their business. Yes there are MLM’s which offer products and are legitimate organizations but in my experience, they aren’t as good as the competition.

      Plus the people within the business promote it not because of the product’s quality, but because they want to make money with it. I’ve been pitched these kinds of things on more than one occasion in my lifetime, by close friends. It really comes down to how you would feel if someone walked up to your door step, whether a friend of family member, or someone you trust and just started trying to get you to join an organization. I would personally feel like they were doing this for themselves, not me and this would rub me the wrong way. If I feel this way when people do that to me, then I can’t ethically do that kind of stuff to others and with MLM’s these kinds of things happen almost all the time.

      MLM’s in the long run do not help the majority of people. Somewhere down the line will be a large majority who invest money and not make anything. Can it be because of their own mistakes? Absolutely, but the idea that everyone makes money with MLM’s is just not true.

      If I recall correctly, Robert Kiyosaki filed for bankruptcy not too long ago. I actually like the guy’s stance on gold & silver, but he’s just not someone who I would listen to on online marketing advice. I don’t think he has any of that.

      I believe in honest marketing where what I recommend to people is not a get rich quick opportunity, but rather something they crave & need. This gives me fullfillment in knowing I gave them something they wanted. With MLM’s, I feel like I’m pitching them a get rich quick scheme. “Get so and so people under you and you’re set” seems very deceptive for me because that’s very difficult to do and the people I refer (If I ever do) will have to do the same. That’s just not a form of marketing I”m for.

      Hope this clears things up. Sorry for the long reply heh.


  7. Dom wells

    You hit the nail on the head when you said the only real incentive for joining MCA is the business plan. If you are truly interested in the services, something like AAA is better.

    The only really “good” MLMs are ones where the original service/product is excellent and gives people a good deal. If that’s not the case, you’re just selling a dream

    • Vitaliy

      Make that 2 nails on the head Dom. This is why I question whether the services you get with MCA are on par with it’s more popular competitors. If not, then how can you ethically promote it? The answer is you can’t, unless the only thing you’re interested in is making money which totally ruins the sale’s pitch altogethr for me.

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