Aaa Auto Insurance: Accident Forgiveness For Loyal Customers

AAA, or the American Automobile Association, offers car insurance through its regional clubs in most states. The company was founded in 1902 and has since expanded to include over 1,000 locations. AAA offers all of the standard coverage types available at most insurance companies, as well as add-on coverage types such as accident forgiveness, depending on the regional club. Accident forgiveness is a feature that prevents your rates from increasing after you cause an accident. While AAA does offer accident forgiveness, availability varies depending on the region and specific rules set by the regional club. For example, Auto Club South members get automatic accident forgiveness if they have been claim-free for five years, while others may need to purchase it as an add-on.

Accident forgiveness resets after 3-5 years

Accident forgiveness is an insurance feature that protects drivers from more expensive car insurance rates after an accident. While accident forgiveness prevents your insurance rates from increasing after an accident, it does not erase the accident from your driving record. If you switch insurance companies, your new insurer may factor the forgiven accident into the calculation of your premium.

Most insurance companies reset accident forgiveness after 3-5 years. Loyalty-based accident forgiveness, which is typically included as a complimentary benefit, usually requires drivers to go 5 years without at-fault accidents to get an accident forgiven. Accident forgiveness policies that drivers can purchase as an add-on usually take 3 years to reset.

AAA offers accident forgiveness through its regional clubs, but availability varies. For example, Auto Club South members get automatic accident forgiveness if they've been claim-free for 5 years. AAA's accident forgiveness generally has limitations, such as forgiving one accident per policy.

AAA insurance rates go up by 24% after an accident

AAA auto insurance offers accident forgiveness, but this depends on the regional club and the specific rules that apply. For example, Auto Club South members get automatic accident forgiveness if they have been claim-free for five years.

The exact amount that AAA premiums go up after an accident depends on a few factors, including who was at fault, how much damage was caused, the policyholder's driving and claims history. In general, at-fault accidents or severe accidents that lead to expensive insurance claims increase rates more than minor or not-at-fault accidents.

AAA insurance rates go up by an average of 24% after an accident. This is a temporary increase, and an accident will usually only affect your AAA premium for 3-5 years.

While some increases are unavoidable, there are ways to offset the costs. For example, you could consider updating your deductible—if you can afford a higher deductible, it can help lower your monthly premium. You could also look into discounts such as the good driver discount, good student discount, or multi-vehicle discount.

It's recommended that you review your insurance policy annually to ensure you're getting the most from your insurance.

AAA offers cheap rates for all age groups

AAA auto insurance is available to both AAA members and non-members, depending on your state. AAA offers a wide range of insurance options, including car insurance, which can be purchased through its regional clubs in most states.

AAA auto insurance rates are competitive and affordable for all age groups. While rates may vary depending on age, driving record, and vehicle, AAA offers various ways to save on auto insurance. For example, AAA members can take advantage of discounts on hotel stays, rental cars, and other travel expenses.

Additionally, AAA offers a variety of auto insurance discounts, such as:

• AAADrive discount: Up to a 5% discount when you enrol, up to 10% when your family enrols, and up to 30% upon policy renewal for safe driving.
• Good student discount: Up to a 14.3% discount for students with good grades ("B" average or better).
• Multi-vehicle discount: Up to a 27.3% discount for insuring more than one vehicle with AAA.
• Loyalty discount: Up to a 5.6% discount for maintaining your AAA car insurance policy for at least one year.

Furthermore, AAA provides accident forgiveness, which prevents your rates from increasing after your first accident. This feature is available through certain regional clubs and may be offered as a complimentary benefit or an add-on purchase.

Overall, AAA auto insurance offers cheap rates for all age groups, along with additional benefits and discounts to help you save even more.

AAA offers a wide variety of discounts

Multi-Policy Discounts

AAA offers discounts for bundling policies for houses, condominiums, cars, renters insurance, and life insurance. For example, you can save up to:

• 12.7% on auto insurance when combined with a home policy.
• 12.5% on homeowners insurance when combined with an auto policy.
• 11.2% on auto insurance and 20% on condo insurance when combined.
• 3.7% on auto coverage and 10% on renters insurance when combined.
• 19% on auto insurance and 22% on homeowners insurance when combined with life insurance.

Auto Policy Discounts

• Multi-Vehicle Discount: Save up to 15.7% when insuring more than one car on the same policy.
• Select Professionals and Alumni Associations: AAA offers discounts for drivers in certain professions, including science and engineering.
• Good Driver Discount: Save up to 20% by avoiding tickets, accidents, and maintaining a clean driving record.
• Verified Mileage Discount: Save up to 9.1% by providing your vehicle's odometer reading when requested.
• Student Away Discount: Save 46.7% on select coverages if your student is more than 100 miles away from school without a vehicle.
• Good Student Discount: Save up to 10% on car insurance if you're a high school or college student with a GPA of 3.0 or higher.
• Teen Smart (New Driver) Discount: Young drivers aged 16-26 who take an online safety class can get a 24% discount.
• Driver Training Discount: Complete an approved driver training class and get a 10% discount.
• Car Club Discount: Members of qualifying car clubs can save up to 5% on car insurance.

Other Ways to Save with AAA

• Drive Safely: Maintain a clean driving record and take advantage of AAA's Good Driver Discount (20%) and Driver Training Discount (10%).
• Insure Multiple Vehicles: Add all your vehicles to the same AAA policy to maximize the Multi-Vehicle Discount.
• Bundle Home and Auto: Combine your car insurance with home, condo, or renters insurance to save up to 12.7% on car insurance.
• Increase Your Deductible: A higher deductible typically leads to a lower monthly premium.
• Update Your Policy Regularly: Life events like marriage, having a baby, or moving can affect your rates, so update your policy to ensure you're getting the best rates.
• Maintain a Good Credit Rating: A solid credit rating can lead to lower car insurance premiums.

AAA insurance is available in most states

AAA offers insurance in all 50 states and the District of Columbia. It is a not-for-profit membership organisation that provides automotive, travel, and insurance services to millions of members across the US and Canada.

AAA is made up of a federation of 32 motor clubs and has over 1,000 branch offices in North America. The insurance is available through three main groups: Auto Club Enterprises, CSAA Insurance Group, and The Auto Club Group.

Auto Club Enterprises includes regional clubs in Illinois, Louisiana, Missouri, Texas, and Southern California. CSAA Insurance Group offers insurance in the District of Columbia and several other states. The Auto Club Group provides insurance in the District of Columbia and numerous other states.

AAA offers standard coverage types, such as liability, comprehensive, collision, uninsured/underinsured motorist, and personal injury protection. They also provide add-on coverage options like accident forgiveness, gap insurance, and diminishing deductible, depending on the regional club.

The availability of specific coverages and discounts can vary by location, so it is recommended to check with your local AAA club or agent to understand the exact offerings in your state.

Frequently asked questions