Wow, I am amazed at the problems people have had trying to get AAA discounts! I must be spoiled because I found my agent here on the DIS and she is
amazing. She knows all of the rack rates and seasons off the top of her head and knows what the AAA rate should be. She'd know immediately if we weren't getting the right rate. She never applies insurance without confirming that you want it, and always give us a breakdown of the price so you can see the AAA discount on the rooms as well as what the rack rate is through WDTC for comparison. It seems like too many people unknowingly have insurance applied and then wonder why they didn't get the AAA discount. That or the agent doesn't know what the rates should be in the first place so they assume whatever price they pull up is right.
My advice is to steer clear of those local offices unless you know the agents well and are confident in their Disney knowledge. You don't have to book locally! Use the resources available to you here on the DIS to find an AAA agent who really knows Disney.