The truth about MCA Motorclub (legit or scam?)

MCA Motorclub of America is a company that primarily offers member discounts for various roadside services, bail bonds benefits, vision discounts, and $150 per night hospital stays.

They go above and beyond AAA and they also pay out referral fees when you recruit new members to the club.

So have I been involved?

This video explains:


All good? Let’s continue…


These guys are straight throwback.

Not quite as old as Avon, but the Motor Club of America has been around since 1926. What started out as a family business became, many incarnations later, a nationwide venture that owns several interests.

These include travel and marketing powerhouses JVL Holding and TVC Marketing.

The travel discount portion of the MCA Motorclub membership no doubt comes from the CEO of JVL & TVC, Virgil W. Coffee, who was co-founder of the National Association of Travel Organizations.

Mr. Coffee is the CEO of TVC Marketing Inc, the umbrella corporation that owns MCA Motorclub. He had humble beginnings as the son of a minister in Texas.

As a young man living on a teacher’s salary, he sold motor car club memberships on the side to support his family.

He stayed with that business for 17 years and took it from operating in just 3 states to 38 states and became its president. During that time he founded the National Association of Travel Organizations. NATO was responsible for establishing regulations in several states for the overseeing of the motor club industry.

In other words, Virgil Coffee is a pillar in the motor car club industry. He then took his network marketing skills to the legal world and that’s where he came to work for TVC Marketing. After he built up that company, he purchased the original 1926-era Motor Club of America Enterprises, Inc.

Virgil Coffee was also involved with Pre-Paid Legal Services (Legal Shield) through TVC. He created their marketing plan, which was of course very successful too. He was there 7 years and in that time oversaw huge gains in earnings. MCA is not a reincarnation, but a separate business venture under the TVC umbrella corp.

This man is so successful it even rubbed off on his son, Oklahoma Senator Glenn Coffee.

The CEO, David Kircher, has been President since the 1970s and continues today.

That’s longevity and that means success. This company grew out of the desire to offer a service, not to create a networking marketing empire. The network marketing is how it works, not why it works.

As you can see, MCA Motorclub is part of a vast empire, which explains how it can give such a wide variety of benefits.


This is a club membership and it costs $19.95 per month. Members get over $150,000 worth of benefits and there are over 7 million members. Benefits cover almost every aspect of life that can go terribly wrong…

  • 100 miles of free towing
  • Gas, Flats covered
  • Save 10% at major service centers nationwide
  • $5,000 stolen vehicle reward
  • $500 cash back reimbursement for medical accidents
  • $150 per day hospital benefit
  • Emergency Medical Transportation
  • 114,000 specialists via telephone
  • up to 65% savings on dental, pharmacy, vision
  • up to $60,000 accidental death benefits
  • up to $25,000 in credit card protection
  • $75 per hour attorneys
  • Auto-related discounts (with the Security Premium package)
  • Deep Legal Discounts (with some packages)
  • Travel Discounts
  • Bail Bonds

There are 3 levels of club membership, with the difference only numbers 13 and 14 on the list above.

  1. Total Security. This is $19.99 per month, 1st and last months at $39.90
  2. Security Gold. This is $29.99 per month, 1st and last months at $59.98
  3. Total Security Platinum. This is $39.99 per month, with 1st and last months at $79.98.

Compensation Plan

This is really an affiliate referral program, and it’s very simple.

It’s refreshingly free from fast start bonuses, ranks, bonus pools, and all the other crazy gimmicky but hard to achieve incentives you see on lots of network marketing programs.

Remember, Virgil is a pillar of network marketing, one of the originals and he’s very good at developing these programs. Here it goes…

Step One: Sign Up

Purchase a security plan from one of the 3 options, and you are then ready to get the MCA Business Starter Kit for $19.99 annually.

Basically, the starter kit gives you access to your own page on their website: This includes:

  • high converting lead pages on a 2.0 website + mobile website
  • email autoresponder
  • sales reps close your leads for you (costs extra)
  • advertising co-op: split ad expenses with other small business owners
  • you can cancel any time through PayPal

Step Two: Make Money

For each signup you procure, you get $80. Now consider your initial buy-in is $40 (first and last month motor car club dues) and that’s pretty darn enticing.

You get $6 for every membership your referrals sell.

That’s it…the world’s simplest compensation plan.


  • really old, respected company behind you- two of them, in fact
  • very wide range of benefits
  • easy web page integration- no need to buy hosting


  • you get chargebacks if people cancel


The buzz is mainly positive. The detractors seem to be working from outdated information, since their complaints simply aren’t true:

  • no official MCA website = WRONG
  • not listed on BBB = WRONG (they’re listed under TVC, their parent company)
  • AAA is cheaper & offers more = WRONG: (it’s cheaper, but it also doesn’t offer the same benefits)
  • they chose name to appear as National Motor Car Blub of America = WRONG (MCA Motorclub is 90 years old)
  • MCA used to be Pre Paid Legal = WRONG (TVC CEO Virgil Coffee used to be involved with them but it’s separate)

Glassdoor gave them a 4.1 rating. Impressive.

Like I said, these are one of the good guys.

Straight-up, no gimmicks here. Gotta love that.

Still, it’s traditional MLM. Make a list of your family and friends, throw home parties, 3-way-calls, etc, etc. That’s so played out.

There’s a better way. You can build a real online business that will be around for future generations. A business you can feel good about.

I’ve gone in an entirely, non-MLM direction, and my 30k months never get old. You can apply for mentorship opportunities here.

See our top 22 small business ideas of 2017

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Jeremy Page

Jeremy Page created Multiple Streams for ballers, big thinkers and online business owners. You can follow him on Instagram here.

Leave a Comment

Show 2 Comments
  • Dave Chansky November 2, 2015, 7:36 pm

    It sounds interesting. I did like your appraisal of
    various mlm oppotunities and what you said about
    MCA. Get in touch

    • Jeremy Page November 3, 2015, 12:18 pm

      Great, Dave – if you’re interested you can get in touch with us by clicking here.