Aaa Auto Insurance: Rated And Reviewed

AAA auto insurance is rated highly for its savings, reliability, and value. It offers a range of standard coverages and optional coverages, such as rental car reimbursement and gap insurance, which can help to customise a policy. AAA auto insurance also provides numerous discounts for its customers, including good driver discounts, AAA membership discounts, multi-car discounts, and good student discounts. The specific discounts and coverages available may vary depending on the location. AAA has earned an A (Excellent) rating from A.M. Best for financial strength and stability.

Discounts for bundling

AAA offers a range of discounts for customers who bundle their insurance policies.

Firstly, bundling insurance policies means buying more than one type of insurance from a single insurance carrier. For example, you could bundle auto and home insurance into a single policy.

Bundling insurance in this way can bring several benefits. One of the main advantages is the potential for significant cost savings. AAA Insurance gives a meaningful discount when you buy more than one policy from them. For example, Floridians who switch and bundle home and auto insurance through AAA Insurance could save an average of $1,423.

Additionally, bundling insurance policies can also bring greater convenience. By reducing the number of insurance companies you deal with, you only have to manage a single policy with one premium and one deductible. This can help to simplify your insurance coverage.

There are several types of insurance that can be bundled through AAA, including home, auto, life, boat, flood, motorcycle, condo, and umbrella insurance.

• Companion Home Discount: Save up to 12.7% on auto insurance when combined with a home policy.
• Companion Auto Discount: Save up to 12.5% on homeowners insurance when combined with an auto policy.
• Auto + Condo Discount: Save up to 11.2% on auto insurance and 20% on condo insurance when policies are combined.
• Auto + Renters Discount: Save up to 3.7% on auto coverage and 10% on renters insurance when policies are bundled.
• Auto, Home, and Life Discount: Save up to 19% on auto insurance and 22% on homeowners insurance when combined with life insurance.

It's important to note that the availability of specific bundling discounts and the exact savings offered may vary depending on your location and eligibility requirements.

Discounts for good driving

AAA offers a range of car insurance discounts that could save drivers hundreds of dollars per year. One of the most significant discounts is the Good Driver Discount, which can save drivers up to 20% on their auto insurance premiums.

To qualify for the Good Driver Discount, drivers must meet several criteria, including having a clean driving record with no accidents, violations, or convictions for driving under the influence in the past three years. Additionally, drivers must have been licensed for at least three years and should not have had more than one violation point during that period.

The Good Driver Discount is a great way for safe drivers to save money on their car insurance. By encouraging safe driving habits, AAA helps to improve road safety and reduce the number of accidents and incidents on the roads.

In addition to the Good Driver Discount, AAA offers other driving-related discounts, such as the Driver Training Discount, which offers a 10% discount for completing an approved driver training class, and the Verified Mileage Discount, which provides savings of up to 9.1% for drivers who provide their vehicle's odometer readings when requested.

By combining these discounts with other AAA membership perks and policy bundling, drivers can significantly reduce their auto insurance costs.

Discounts for students

AAA Auto Insurance offers a variety of discounts for students, which can help make their auto insurance more affordable. Here are the key details about these student discounts:

Good Student Discount:

AAA offers a Good Student discount for high school or college students who can maintain a GPA of 3.0 or higher. This discount can save students up to 14.5% on their auto insurance, depending on their location. In California, for example, the Good Student discount is 7.1%. This discount incentivizes students to perform well academically and rewards them with lower insurance rates.

Distant Student Discount:

The Distant Student Discount is available for students who attend college at least 100 miles away from their permanent residence. To qualify, students must also only drive when they are at home. This discount is offered in select states, including Arizona, Montana, Nevada, Utah, and Wyoming, and can save students up to 30% on their auto insurance.

TeenSMART Program:

Students who are 19 or under can take advantage of the TeenSMART program, which offers an auto coverage discount of up to 24%. This program is currently available in California, Arizona, Montana, Nevada, Utah, and Wyoming. By completing this program, young drivers can not only improve their driving skills but also benefit from lower insurance rates.

Paperless Billing Discount:

Students who are AAA members can enroll in paperless billing and receive an additional discount. The eValue discount offers 5% off auto coverage for those who opt for paperless billing. This discount is available in Arizona, Montana, Nevada, Utah, and Wyoming.

It is important to note that these discounts may have specific eligibility requirements and may vary by location. Students should contact their local AAA office or agent to understand the exact discounts available in their area and the requirements to qualify for these discounts. Additionally, the total insurance discount might be capped, so combining multiple discounts may have limitations.

Discounts for AAA members

AAA members can access a wide range of discounts and deals with high potential value, broad appeal, and wide availability. The exact benefits depend on the membership tier and region, as AAA is a federation of affiliated automobile clubs and not a single entity.

Automotive Discounts

AAA members can save on automotive expenses, including:

• Fuel: Save 30 cents/gallon on the first fill-up at participating Shell locations and at least 5 cents/gallon on every additional fill-up.
• Repairs and Maintenance: Save 10% on labor for regularly priced services at over 7,000 AAA Approved Auto Repair facilities nationwide, up to a maximum of $75 in savings.
• Car Rental: Save up to 25% on a Hertz rental car while the member's vehicle is undergoing covered repairs.
• Carfax Reports: Get a 20% discount on Carfax reports ordered online.
• Roadside Assistance: AAA members can receive complimentary roadside assistance, including fuel delivery and towing services.

Dining and Grocery Discounts

AAA offers instant discounts at participating restaurants, as well as deep discounts on branded gift certificates or gift cards for use at specific restaurants. Here are some examples of AAA dining discounts:

• Hard Rock Cafe: 10% off food and non-alcoholic beverages.
• Rainforest Cafe: 10% off food and non-alcoholic beverages.
• Oceanaire Seafood Room: 10% off food and non-alcoholic beverages.
• Bubba Gump Shrimp Company: 10% off food and non-alcoholic beverages.
• Jimmy Buffett's Margaritaville: 10% off the total bill.

Additionally, AAA offers savings on grocery and beverage purchases, both online and in-store. For example, members can save 15% on Pear's Gourmet coffee and 10% on in-store purchases at Kelly's Coffee & Fudge Factory.

Health and Wellness

AAA members can access various health and wellness perks, including discounts on eyewear and health-related services:

• LensCrafters: 50% off prescription lenses and 30% off sunglasses.
• Glasses.com: Up to 25% off select products and services.
• YogaFit Studios: Up to 10% off classes and memberships.

Travel Discounts

AAA members are eligible for discounts on travel-related expenses, including car rentals, hotels, and cruises:

• Dollar Car Rental: Save 10% on advance reservations in the US and Canada, and get a free car booster seat and 10% off a navigation unit.
• Thrifty: Save 8% on advance reservations in the US and Canada, with no additional charge for extra drivers, a free booster seat, and 10% off a navigation unit.
• Hertz: Save up to 20% on all reservations in the US and Canada, and receive benefits such as a free car booster seat and discounted SiriusXM radio service.
• Hotel Discounts: AAA partners with various hotel brands to offer special nightly rates, accelerated travel loyalty points, and other perks. For example, members can save up to 15% and earn 10% more hotel loyalty points when booking with the BW Premier Collection.
• Cruise Discounts: AAA offers impressive discounts on cruises, such as 60% off the second passenger's fare on select Royal Caribbean routes.

Entertainment and Culture

AAA also provides discounted tickets and admission packages to various events and institutions, including theme parks, museums, and live performances:

• FlyOver America: Up to 10% off general admission to this premium virtual reality theme park ride.
• Nickelodeon Universe: Up to 35% off general admission to this kid-friendly theme park.
• Valleyfair: Up to 37% off general admission to this all-ages theme park.
• Universal Studios Hollywood: Up to $25 off general admission to this destination theme park.

Other Discounts

In addition to the categories mentioned above, AAA members can access a range of other discounts, including:

• Retail: Up to 45% off purchases at Under Armour outlets and websites, up to 40% off home appliances at Lowe's, and more.
• Pet Care: 10% off select pet health insurance policies, up to 20% off cat and dog food at Petco, and free shipping on pet medication purchases from select retailers.
• Electronics: Up to 50% off select products from brands like Lenovo, HP, and Dell.
• Sports: Discounted tickets and packages for sporting events, with offers varying by club and season.

These are just a few examples of the many discounts available to AAA members. To access these benefits, members simply need to present their AAA membership card at the point of sale or shop through the AAA website.

AAA insurance ratings

AAA insurance offers a range of standard coverages and optional coverages that can help to customise a policy. The specific features and options available to customers vary depending on their location. AAA offers car insurance through regional AAA clubs, and also offers home, renters, condo, and life insurance.

AAA has a number of discounts available to customers, although these differ according to the local AAA organisation that covers the state. Discounts include up to 20% off for drivers with clean driving records, up to 15.7% off when insuring more than one vehicle, up to 7% off for full-time students or graduates under 25 with a GPA of 3.0 or higher, and up to 5% off for having an active AAA membership.

AAA insurance has earned an A (Excellent) rating from A.M. Best for financial strength and stability.

Frequently asked questions