A proof in 4 hints:
Define a map $f : \left(A/I\right) \times \left(A/J\right) \to A/\left(I+J\right)$ by
$f\left(a+I, b+J\right) = ab+I+J$ for all $a\in A$ and $b\in A$.
1) Prove that this $f$ is well-defined and $A$-bilinear.
Hence, by the universal property of the tensor product, this $f$ induces a linear map $f' : \left(A/I\right) \otimes_A \left(A/J\right) \to A/\left(I+J\right)$ satisfying
$f'\left(\left(a+I\right) \otimes_A \left(b+J\right)\right) = ab+I+J$ for all $a\in A$ and $b\in A$.
Define a map $g : A/\left(I+J\right) \to \left(A/I\right) \otimes_A \left(A/J\right)$ by
$g\left(a+I+J\right) = \left(a+I\right) \otimes_A \left(a+J\right)$ for all $a\in A$.
2) Prove that this map $g$ is well-defined and linear.
3) Prove that $f'\circ g = \operatorname*{id}$. (This is very easy.)
4) Prove that $g\circ f' = \operatorname*{id}$. (Here it is best to use the universal property of the tensor product again, this time its uniqueness part. Alternatively, recall that a tensor product is generated by pure tensors, so that two linear maps from a tensor product must be identical if they are equal on every pure tensor. And we can compute the value of $g\circ f'$ on pure tensors directly.)
From 3) and 4), it follows that the maps $f'$ and $g$ are mutually inverse, so that $\left(A/I\right) \times \left(A/J\right) \cong A/\left(I+J\right)$ as $A$-modules.
Note that $A$ does not have to be commutative as long as $I$ and $J$ are two-sided ideals.