As the name suggests, Motor Club of America (or MCA) is a service-based MLM, one that acts as a motor club. In particular, Motor Club of America provides roadside assistance plans. There are three different plans and they all focus on keeping members safe.
The idea is an interesting one. There is certainly demand for roadside assistance, especially from people who travel frequently or who are worried about loved ones. Demand could easily increase over time too, as the population continues to grow, along with the number of vehicles on the road.
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The club itself has a long history in the United States, with an increasing number of services being added over time.
These patterns are largely positive, suggesting that the service should sell well. The service-based focus also creates the potential of repeated commissions over time. Even so, it’s important to be certain before making any commitments.
Two Ways To Make Money With Motor Club of America
Motor Club of America follows the MLM model, which means that they focus on sales and also on team building. This style provides two different approaches to earning. That being said, members need to be involved in the sales process regardless of whether they work on building a team or not.
In this post, I’ll be taking a close look at each of the income approaches, along with the overall financial potential in Motor Club of America.
Make Money From Sales
Motor Club of America offers three monthly roadside assistance plans that customers can join. The MCA Security Plan costs $9.95/month, the MCA Security Plus! costs $14.95/month and the MCA Total Security Plan costs $19.95/month.
The services are the same in each of the three plans and are as follows:
- Emergency Road Service
- Travel Assistance Reimbursement
- Trip Planning and Travel Expenses
- Arrest Bond
- Bail Bonds
- Stolen Vehicle Reward
- Credit Card Protection
- Various Discounts
- Daily Hospital Benefit
- Accidental Death Benefit
- Travel Assistance Program
While the general services are the same regardless, some of them do have different benefits depending on the membership level. For example in the first two plans, the Accidental Death Benefits offers $10,000 to your estate if the plan holder dies in an accident that is covered. Members of the MCA Total Security Plan can choose between three plans that each have different advantages.
Despite this, many of the services are identical or almost identical between plans. This means that anyone enrolling should pay careful attention to which plan is best for them.
The services offered by Motor Club of America sound good on paper, but how do they stack up in practice?
A quick glance online shows that some customers have bad experiences. These often relate to problems with canceling accounts or with the company charging more fees than the customer authorized.
Other complaints relate to the towing service. Multiple users mention that Motor Club of America advertises unlimited towing, yet seems to often refuse to tow vehicles or cancels memberships due to high numbers of towing requests.
A reply from the Motor Club of America suggests that the pattern is partly due to terms and conditions in the service contract. These conditions mean that members cannot get the same vehicle towed multiple times for the same problem.
While the conditions that Motor Club of America sets in its contract may well be fair and reasonable, they seem to catch many customers off-guard. After all, the company focuses on the idea of ‘unlimited towing’. Similar restrictions are likely to be present for other services that Motor Club of America offers, making the services less powerful overall.
Then there is the competition to consider. Motor Club of America isn’t the only road assistance program out there. It’s also a fairly expensive entry in the field.
The cheapest plan from Motor Club of America would cost around $120 per year, while the most expensive would cost around $240. This is a stark contrast to other companies, where yearly prices are often between $50 and $100, while many premium plans are less than $115 per year. To make matters worse, the Motor Club of America doesn’t offer much that makes it stand out from other services.
Could you still make sales? Sure. There may be some services and criteria that are better for specific customers than they have tried previously. Your own personal experiences with Motor Club of America could help to tip the balance too.
Even so, some salesmanship skills will be needed to convince people to join Motor Club of America. Convincing individuals to switch from their current plan to the Motor Club of America could be more difficult still.
What You Earn From Sales
While the Motor Club of America provides plenty of information about the services that they offer, there are few details about how people earn.
It appears that the used to offer between $80 and $90 for each new sign up. This changed in August 2018, with the new compensation plan providing just $35 for per sign up.
However, the style used to pay is a little odd. Motor Club of America basically pays an advance to distributors, based on the assumption that the customer will stay a member for an entire year. If the customer cancels before the period is up, the distributor needs to pay back any difference in compensation.
I’ve never seen a company take that approach before and it is very frustrating for the distributor. It means that you’d never be entirely sure of your earnings.
Make Money Building A Team
Motor Club of America has a team aspect too, although once again they don’t provide much information.
Override bonuses are one way that members earn from their team. Motor Club of America uses an unusual approach, where you are simply paid a $0.66 override bonus on the sales of your team members. This bonus is paid on a monthly basis for as long as the customer remains a member of Motor Club of America.
While the overriding figure is small, it could add up if distributors manage to enroll multiple new customers each week. It is also possible to earn override bonuses from multiple generations in your downline.
As with many other companies, you don’t need to purchase any of the Motor Club of America packages to make money from product sales. Earning from your team is a different story. You will need to have a membership of your own to be eligible for team commissions.
Can You Generate Reliable Income With Motorclub of America?
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With the compensation plan details being so limited for Motor Club of America, it's impossible to say whether or not the company is a good choice for earning money. Even so, it's clear that some members have in the past, which should mean that the potential to earn exists.
While there may be a chance to make money, it's still important to pay attention to the company's requirements and their services. Think about whether you are passionate about the services and whether you could get regular sales.
The issue of sales is critical, as you can't just rely on friends and family members. You'll run out of interested people quickly, especially as you're selling a service rather than a consumable product. Making consistent sales will involve branching out and finding new customers and leads. To do this, you may need to find good training, along with angles that can help you achieve your goals.
The way that Motor Club of America changed their compensation plan in 2018 highlights a key issue in this industry. When you're an MLM member, you're working for that company. Regardless of the terminology that they use, you're not a business owner and you're not in full control of your income.
The company has the right to change the compensation plan as they see fit. They could even go bust entirely.
If you are going to join Motor Club of America, it's best to have other income streams as well. That way you're not totally vulnerable to changes that the company makes.
On a personal note, I don't particularly like the MLM model. Why go to all the effort of making sales, building a customer base, and developing a team if you end up completely dependant on another company? You could invest that same time and energy into something that you do have full control over.
MLM Critic & Author: Nathaniell
What's up ladies and dudes! Great to finally meet you, and I hope you enjoyed this post. I have to be honest though. I'm not a big fan of MLM. Tried it. Hated it.
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Danica Henderson
Natheaniell I just started with this company and I have to agree with you. I started because someone said you earn cash for promoting on social media and getting sales. Which you don’t you get paid for sells
Q
You are very wise to leave this stupid legitimate Ponzi scheme alone. Lol 😂
robert
People don’t do any research about this before they make these huge assumptions.MCA is a not an MLM,it is a completely legit roadside assistance company with other benefits that make it more valuable than say aaa.The main company is TVC which offers legal assistance to truck drivers that are going to court.the website is TVCmatrix.com.now a few other things nobody knows because they take one look at MCA or just go by other people’s claims who also have no idea what they are talking about, is it is completely free to become an associate for MCA and promote the company and earn commission.You can find this right on tvcmatrix website.And as far as chargebacks go,you get paid %200 commission for every sale. This is an advance for 17 months worth of commission.So if the member cancels you get charge back for each remaining month.BUT the will not remove money from your account,the chargebacks come out of future commissions,and they only charge a maximum of %50 of what you owe for chargeback per week.PLUS if you make 8 sales a week you are protected against %75 of chargebacks owed. Or 12 sales in a week you WILL NOT be charged anything for chargeback owed no matter how much.on top of all that chargeback rarely even occur because the service MCA offers is well worth more than $20 a month. You can go to the website and see for yourself,if you disagree you are crazy.now as far as the “ridiculous income claims” yes people do advertise this opportunity the wrong way and MCA has started terminating people for false income advertising.however there are a lot of people that actually are making $3,000-$4,000 a week with this,some are even making up to a consistent $9,000 paid every Friday through direct deposit. The thing is it takes some time to build this up and make that kind of money,some people join and when they don’t make $5,000 in their first week they call it a scam.there is nothing sketchy or suspicious about MCA.they just don’t do television ads or anything like that .instead they use the massive amount of money they would be spending on advertising paying associates to do advertising by word of mouth for them. This is all I can think of at the moment but feel free to ask any more questions that make you think MCA is a scam,I assure you I can answer them otherwise.
Nathaniell
So if I wrote a negative review of Geico do you think Geico customers would flock to my blog and tell me how wrong I am and how good the company is? No. No one would care because it’s just some guy’s opinion on the internet.
Stephen Mol
Couldn’t agree with you more Robert. But granted, this is not for everyone.
Q
Robert are you rich ? Are you paying a mortgage or a car note or putting yourself or kids through college with MCA ? Better yet is MCA padding your 401k if you are too busy on your yacht partying on the docks in south beach 🏖 I’ll understand why you can’t respond right away. But just know that the millions I’m sure you’ve already earned should be reported to the irs. Please don’t drink another flute of Cristal without a designated driver oh I forgot you successful MCA sales reps have chauffeured Rolls Royce’s my bad lol 😂 just kidding though buddy. God luck with MCA though.
Joshua
As a member of Mca yes it is true Mca has a way of misleading in it’s business opportunity
especially the reps who introduce others to the business.
But Mca is not an mlm it is taking a new direction into just like other services have been such as phone services like t mobile and att&t.
They will pay you 10-15% of commission for everyone you refer to them.
Mca has the same business style while they will give you 100% commission
its a referral program thats all it is.
And you do make a point this isn’t for everyone so it’s up the reps to knowledge themselves and follow the right training methods.
That’s all there is to it really….
Nathaniell
MCA is not an MLM, yet you are here defending it. Hm. Not sure about that one.
Jermaine Pleas
Actually, I am a pretty big fan of Motor Club of America, It has started a slew of young entrepreneurs to start their business at a relatively young age instead of holding down a job for the rest of their lives. They’ve actually created a name for the weekly pay, “double up Fridays”, very cool. Your review is very interesting though and i’ll keep that these in mind.
Nathaniell
I disagree that this company helps people start “businesses”. It turns them into sales reps. That’s not a bad job, but it’s very misleading. So now there’s a bunch of people running around thinking they “own a business”, when in reality, they are recruiters for a pyramid scheme. Sorry to be so blunt, but I strongly believe that anyone getting themselves into this ‘business’ is doing themselves and their friends/family a disservice.
Q
Dude you are seriously defending this company like it’s a guaranteed way to financial freedom and a secure future lol. I’ll tell you what kids. Drop out of high school, don’t get a job just do MCA lol 😂 also Elvis and Tupac are both still alive. There’s tiny green men on mars and I just saw Bigfoot on a unicorn 🦄 going down the yellow brick road lol FOH
David
Nathaniell,
I’m digging your blog. And I came across it while
researching a different product in the internet
marketing niche.
I want to share a few things about Motor Club of
America so that others can draw their own
conclusions as well.
From what I’ve gathered so far, you have made a
surface review of MCOA, and I take it it may be
due to time constraints and/or the space allowed
on your blog for a full review.
But I’ll chime in…
You state that you find the organization of
Motor Club of America a little weird and suspicious.
Have you personally contacted the company to
check if someone actually picks up the phone on
the other end?
Did you ask the service rep questions about how
long MCOA has been around, and about the
services offered to get a good feel for the
company?
You also state… “you will lose the majority of
your commission if the person you refer ends up
cancelling their membership.”
If prospective affiliates due their due diligence,
they would find that Motor Club of America does
it make the issue of charge backs clear, and the
way to avoid it altogether.
Besides, most major companies today deal with
charge back issues on a daily basis and consider it
as part of the cost of doing business.
You also state that… “One of the challenges is
that the service itself isn’t competitive, and you
can (?) other motor clubs that offer similar
services for a lower price.”
Compared to AAA for example, MCOA also
provides emergency roadside assistance
services, but goes way beyond the similarities
by providing additional services which are also in
demand as a convenience to its members.
A quick comparison of services will quell any
concerns someone may have, and will also find
that the cost will justify the enormous value for
what is being offered.
Members can choose whether they want to just
use the service and/or share the service with
others in order to earn additional income.
They are not forced to share the service with
others if they choose not to, but it is nice to
know that the income opportunity is available to
them if they feel it worthy of promotion.
And I would venture to guess you would probably
agree that it is possible to sell the service itself
without the income opportunity attached to it.
You state… “making money through Motor Club
of America is not as easy as it seems.”
It should go without saying that any legitimate
business worth its weight is not “easy” to build
and does take time to develop, contrary to what
scam pushers would have one believe.
However, with the proper training and resources
it is quite possible to make a decent living
promoting many of them.
Motor Club of America is similar to an affiliate
product/service selling for a one-time cost, but
with a recurring monthly fee which is affordable
to most, and with a multi-level structure built
onto the back end.
The unique compensation model was developed
by the same person who developed the
compensation plan for a very successful
company called Prepaid Legal Services, which are
now called Legal Shield.
You state… “The other major issue is competition.
Not only are you competing against other motor
clubs, but you have to compete against anyone
else who is selling Motor Club of America
memberships.”
That can also be said for most products or
income opps out there today like Wealthy
Affiliate, for instance.
You don’t necessarily have to promote WA, but
if you do you’ll be competing with others who are.
It then boils down to an effective marketing
approach.
With that said, I and I’m sure others appreciate
your review of Motor Club of America and wish
you much success in all your future endeavors.
Sincerely, JD Polanco
A MCOA Rep
Nathaniell
Let’s be clear – WA is a not a “biz op”, it’s a educational center where you learn how to build websites. Yes, I’m an affiliate but they are in no way the same thing as MLM or network marketing.
The ONLY way to make money with MCA is to promote MCA, which basically makes you an insurance salesman. On top of that, you are subject to ridiculous income claims and suggestions that MCA will change your life forever. Look at your own landing page promoting MCA which mentions millionaires and Ferraris within the first 30 seconds.
I can’t comment on how the level of service at MCA compares to other companies, but I do know that I don’t want my auto insurance tied up with one of the shadiest industries in the business world (network marketing).
Lastly, the “weird and suspicious” bit is because MCA doesn’t just come out and say what it is. You have to be a savvy network marketer to figure out it’s a “biz op” and not a normal insurance agency. This often true with other network marketing gigs that sell apps, software, coffee, energy drinks and what not. To the uninformed visitor of their website it’s clear they’re something suspicious going on, but not immediately obvious what exactly that is.
The purpose of this article is let people know exactly what they’re getting into. It’s a shame that companies like this can’t be more transparent, but I guess it’s par for the course.
Q
Dude I sure hope you sleep well at night knowing that your sales are doing great. You seem really snowed over by this sales stuff. You could probably sell water to mermaids. All I know is the fastest way to succeed is to take a straight path to a career. MCA might be a great hobby and a not so bad investment for some but for most of us that paycheck gotta be guaranteed unless youare Still living in your parents basement doing MCA between world of Warcraft sessions eating Cheetos with your left hand hand and scratching your arse with that same hand 🤚 lol 😂