Get Aaa Auto Insurance Discounts: Tips And Tricks

AAA auto insurance is only available to paid AAA members. The company offers multiple coverage types and add-ons, and there are many opportunities to get discounts on your insurance. The specific discounts available to you will depend on your location, but they may include savings for bundling policies, being a good student, being a safe driver, and more.

Multi-vehicle discount

One of the most effective ways to get a discount on your AAA auto insurance is to take advantage of their multi-vehicle discount. This discount allows you to save a significant amount on your insurance premiums by insuring multiple vehicles under the same policy. By adding all your vehicles to a single AAA policy, you can benefit from the convenience of consolidated coverage and reduced rates.

The multi-vehicle discount is ideal for families with multiple cars, as it simplifies insurance management and lowers overall costs. It is also a great option for individuals who own more than one car, as it provides comprehensive protection for all vehicles under one policy. This discount is applicable regardless of the make, model, or age of the vehicles, making it accessible to a wide range of customers.

The exact amount you can save with the multi-vehicle discount depends on several factors, including the number of vehicles insured, the coverage options selected, and the state in which you reside. On average, AAA members can expect to save up to 15.7% on their auto insurance premiums when they insure more than one car on the same policy. This substantial discount can result in hundreds of dollars in savings each year, making it a valuable opportunity for anyone with multiple vehicles.

To maximize your savings, it is recommended to combine the multi-vehicle discount with other discounts offered by AAA. For example, you can bundle your auto insurance with homeowners, condo, or renters insurance to take advantage of the multi-policy discount, which can further reduce your premiums. Additionally, maintaining a clean driving record and completing approved safety courses can make you eligible for additional discounts, helping you save even more on your auto insurance.

To find out the specific details of the multi-vehicle discount and other available discounts in your state, it is advisable to contact your local AAA branch or insurance agent. They can provide you with personalized information and help you understand the full range of discounts for which you may qualify. By taking advantage of these discounts, you can ensure that you are getting the best value for your insurance and maximizing your savings.

Good student discount

AAA offers a Good Student Discount of up to 10% on car insurance for high school or full-time college students with a verifiable GPA of 3.0 or higher. This discount is available to parents who are insuring a full-time or part-time student with less than nine years of driving experience and who meets certain grade point average and driving record qualifications. The exact qualifications for the Good Student Discount may vary by state, so it is recommended to contact your local AAA agent or insurance customer service for specific information.

To maximize your savings with AAA, it is important to review your insurance policy annually and take advantage of any available discounts. In addition to the Good Student Discount, AAA offers a range of other auto insurance discounts, including the Multi-Vehicle Discount, Driver Training Program Discount, and Low Mileage Discount. By combining these discounts, you can further reduce your car insurance premiums.

Additionally, AAA provides discounts for bundling policies, such as combining auto and home insurance, which can result in significant savings. The Companion Home Discount, for example, offers up to a 12.7% discount on auto insurance when paired with a home policy. Similarly, the Companion Auto Discount provides up to a 12.5% discount on homeowners insurance when combined with an auto policy.

By leveraging the Good Student Discount and exploring other available discounts, you can optimize your savings on AAA auto insurance while ensuring you have the coverage you need.

Low mileage discount

One of the many ways to get a discount on your AAA auto insurance is by taking advantage of the low mileage discount. This discount is offered to motorists who drive fewer miles than average. If you have a short commute to work or carpool, you can save on your car insurance premium.

The low mileage discount from AAA is called the Verified Mileage Discount. This discount can save you up to 9.1% on your auto insurance premium if you provide your vehicle's odometer reading when requested. The exact discount amount will depend on your annual mileage.

To get the most out of this discount, it's important to review your insurance policy annually to ensure you're taking advantage of all the available discounts and savings. Insurance discounts can vary by state, so be sure to contact your AAA agent, visit their website, or reach out by phone to get specific details about the low mileage discount in your area.

In addition to the low mileage discount, AAA offers a range of other car insurance discounts, such as the Good Driver Discount, the Multi-Vehicle Discount, and the Student Away Discount. By combining these discounts, you can further reduce your auto insurance premium.

Multi-policy discount

AAA offers a range of multi-policy discounts for houses, condominiums, cars, renters insurance, and life insurance. The exact discount percentage depends on the type of insurance policies you combine. Here are some of the multi-policy discount options available:

Companion Home Discount

You can save up to 12.7% on auto insurance when you combine it with a home policy.

Companion Auto Discount

Save up to 12.5% on homeowners insurance when combined with an auto policy. These savings are cumulative, so you could save more than 24% on both policies.

Auto + Condo Discount

Get up to 11.2% off on auto insurance and 20% on condo insurance when you bundle these policies.

Auto + Renters Discount

Save up to 3.7% on auto coverage and 10% on renters insurance by combining these policies.

Auto, Home, and Life Discount

Combining auto, home, and life insurance policies with AAA can provide even greater savings. You can save up to 19% on auto insurance and 22% on homeowners insurance with this option.

Defensive driver discount

Defensive driving courses are a great way to improve your driving skills and safety on the road, and they can also help you save money on your auto insurance. Here's a detailed and instructive guide on how to get a defensive driver discount with AAA auto insurance:

Eligibility for the Defensive Driver Discount

The eligibility criteria for the defensive driver discount may vary depending on your state and insurance provider. Some providers may offer the discount to drivers of any age, while others may restrict it to younger or older drivers. For example, GEICO and some other insurers typically offer the discount to drivers aged 50 and above, while AAA extends the savings to young drivers or people aged 50 and up. It's important to check with your specific insurance company and state regulations to determine your eligibility.

Benefits of Taking a Defensive Driving Course

Taking a defensive driving course can provide several benefits, including:

• Improved driving skills and safety techniques
• Discounts on your auto insurance, ranging from 2% to 20% depending on the provider
• Enhanced knowledge of state-specific driving laws and regulations
• Potential removal of points from your driving record or dismissal of a traffic ticket

How to Earn the Defensive Driver Discount

To earn the defensive driver discount with AAA auto insurance, follow these steps:

• Contact AAA or your insurance agent to confirm your eligibility and understand the specific requirements for the discount.
• Enroll in a defensive driving course that is approved by your state and accredited by AAA. You can choose between online and in-person courses, considering factors such as cost, flexibility, and interactivity.
• Successfully complete the course and obtain a certificate of completion. Some courses may require passing a comprehensive test at the end.
• Submit your certificate of completion to AAA and request the defensive driver discount to be applied to your auto insurance policy.

Important Considerations

When pursuing the defensive driver discount, keep the following in mind:

• The discount amount and duration can vary between insurance providers. For example, AAA offers a discount of up to 3% on auto insurance premiums, while other providers may offer higher or lower percentages.
• The discount may last for a specific period, such as three to five years, after which you may need to retake the course to renew the discount.
• The reason for taking the defensive driving course may impact your eligibility. Some insurance providers require the course to be taken voluntarily, while others may offer the discount even if it was completed for ticket dismissal or by court order.
• The defensive driver discount is just one of many potential discounts offered by auto insurance providers. Explore other options, such as good student discounts, safe driver discounts, or loyalty discounts, to maximize your savings.

By following these steps and staying informed about your insurance provider's requirements, you can take advantage of the defensive driver discount offered by AAA and other auto insurance companies. Not only will you improve your driving skills and safety, but you'll also save money on your auto insurance premiums.

Frequently asked questions