![]() There are a lot of discount options available, so most people are able to reduce their rate significantly. To get a more affordable rate, most policyholders use discounts. When you can find a AAA auto insurance policy, you’ll find it on the affordable end of the spectrum, but it won’t be the cheapest. In other areas, you buy a policy directly from AAA. With some insurance groups, your agent will act as a broker and help you buy with another insurer. The clubs are independent of one another, and so the reputation does vary by auto club group. It’s organized as a group of automobile clubs that serve different regions in the U.S. You’ll still be able to cancel at any time.ĪAA is different from the average insurer. If you want to lock in your rate for more than the typical six months, you can choose this option. If your pet is hurt in a car accident, up to $500 of vet bills can be covered when you add this option to your AAA policy for just a few dollars more per month. This is great protection for pet parents who drive with a pet in the car. Some services have limitations as to how many times they can be used in one year. With this plan, you get jump-start, towing, fuel, lock-out, flat tire, and winching services covered. Many drivers who carry insurance from another provider opt for AAA roadside coverage. Emergency Roadside ServicesĮmergency roadside assistance service is probably what AAA is best known for. Be sure to speak with your agent about the details. There are also mileage and age restrictions. To qualify, you must carry both collision and comprehensive coverage on the car. That’s what makes this option so valuable: AAA will cover the cost of new car replacement for you. Replacing a car after it’s totaled can be a real headache, especially in a market where supply is low. Other companies limit this coverage to 30 days. What makes AAA different is that it does not put a limit on the number of days you need the rental car, which is great for peace of mind. When you buy rental car reimbursement, your rental car costs are covered while your car is in the repair shop. Here’s a coverage option that stands apart from similar options at other companies. But policies are different from region to region, so be sure to discuss the details with your local insurance agent. You must be claims-free for three years in order to qualify. For a small extra premium, your rates won’t increase after your first at-fault accident. You can avoid price hikes when you buy this coverage type. Accident Forgivenessįew things raise car insurance rates like an at-fault accident. Beyond these basics, you’ll have several additional coverage options, including the ones listed below. Gap insurance is another option you can buy if your car is financed, as it covers the remaining balance on your car loan if your car is totaled. ![]() To cover exterior repair, you can buy comprehensive and collision coverage (a.k.a. All of these, plus rideshare insurance, are available with AAA auto club. Some states also require personal injury protection, medical payments, and uninsured and underinsured motorist protection. That means liability insurance, which is made up of bodily injury liability coverage and property damage coverage. You’ll need to comply with state minimum coverage limits. The more policies you bundle, the better the discount. Most customers save between 9 and 22 percent on all policies. All you have to do is combine insurance products, such as a car insurance policy with a homeowners, condo, life insurance, or renters insurance policy. the multi-policy discount, is one of the best ways to lower your car insurance rate. Got more than one car? The multi-vehicle discount saves you up to 26 percent off. You can also get a paid-in-full discount for another 5 percent off. When you pay your membership fees at least one week before your current policy’s expiration date, you get the advanced purchase discount at 5 percent off. There are lots of discounts based on how you set up your policy. And there’s a 5 percent discount when you’re the original owner of your car. Those who pass an approved driver training course get 3 percent off. Good students and good drivers get up to 15 percent off. If you’ve been with a different insurer for at least three years and decide to switch to AAA, you’ll get a 12 percent discount. Driver-Based Discountsĭriver-based discounts are very valuable with AAA. If you’re not sure you’ve got them all, talk to an agent about what you might have missed. Don’t forget to combine all the discounts that you qualify for. Discounts with AAA tend to be steeper than similar discounts are with other companies. ![]() One of the best things about working with AAA is the vast number of discounts available through their membership programs.
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