Get The Best And Affordable Aaa Auto Insurance

AAA auto insurance is available through regional clubs and offers a range of standard coverages and optional coverages to help customize a policy. AAA auto insurance is generally only available to members, but the perks and discounts might make joining worth it. AAA offers plenty of car insurance discounts, including up to a 20% discount for drivers with clean driving records, up to a 15.7% discount when insuring more than one vehicle, and up to a 7% discount for full-time students or graduates with a GPA of 3.0 or higher. AAA also offers opportunities to bundle coverages with other types of insurance, such as home, renters, and condo coverage, which may result in additional savings.

Discounts for bundling and memberships

AAA auto insurance is generally only available to members, but the perks and discounts might make joining worth it. AAA offers plenty of car insurance discounts. You can save up to 12.7% when you bundle AAA home and auto insurance. AAA also offers a discount of up to 5% for having an active AAA Membership.

If you're looking to bundle your auto insurance with another type of insurance, you have a lot of options. Most insurance companies provide bundling discounts when policyholders purchase more than one policy type with the same carrier. This usually applies to home and auto insurance, but you can also bundle auto insurance with renters insurance, RV insurance, boat insurance, and more.

Geico has the cheapest rate for bundling auto and renters insurance, at $91 per month. State Farm offers the best discount for bundling, at 4.7%.

If you're looking to bundle your auto insurance with a membership, you have options there, too. AARP, AAA, alumni associations, wholesale clubs, military organizations, and law enforcement organizations all offer car insurance discounts to members.

Discounts for good driving records

Maintaining a good driving record is one of the best ways to keep your car insurance costs low. A good driving record means you're less likely to make a claim, so insurance companies will reward you with lower premiums and discounts.

A good driving record is typically defined as one that is free of accidents, speeding tickets, or other violations for a set period, usually three to five years. This can include:

• No at-fault accidents
• No moving violations, such as speeding or reckless driving
• No DUI/DWI convictions

Insurance companies have different approaches to rewarding safe drivers. Here are some common ways they may offer discounts:

• Accident-free discount: Many companies offer discounts to drivers with no accidents in the past three to five years.
• Violation-free discount: If you've had no traffic violations in the past three to five years, you may be eligible for a discount.
• Safe driver discount: Some companies combine accident-free and violation-free rewards, offering a single discount to drivers who have avoided incidents and accidents within the past three to five years.
• Usage-based insurance: Also known as telematics insurance, this approach monitors your driving through a mobile app or a device installed in your car. Discounts are then offered based on your driving performance.
• Lowered premiums: Instead of a specific discount, some companies will simply lower your rates if you've avoided accidents for a specified period.

The amount you can save with a good driving record varies by insurance company. On average, drivers with good records can save anywhere from 10% to 30% on their car insurance premiums.

Other Ways to Get Discounts

In addition to maintaining a good driving record, there are other ways to get discounts on your car insurance:

• Defensive driving course: Taking a defensive driving course can help lower your insurance rates. These courses typically cover driving laws and accident avoidance techniques.
• Low-mileage discounts: Some companies offer discounts if you drive less by rewarding you for staying off the road.
• Accident forgiveness coverage: This type of coverage ensures your insurance company won't increase your rate if you're involved in an accident, even if it's your fault.
• Safe driving habits: Avoiding distractions like texting or changing songs while driving can help prevent accidents and maintain your good driving record.
• Gradual braking and acceleration: Giving yourself more time to accelerate and decelerate can improve your safety and reduce the likelihood of collisions.

AAA's Good Driving Discounts

AAA offers a range of car insurance discounts, including for good driving. They provide a discount of up to 20% for drivers with clean driving records. To be eligible, drivers must have at least three years of driving experience and no more than one point on their record within the last three years.

Additionally, AAA offers other discounts that can be combined with a good driving record discount, such as bundling home and auto insurance, insuring multiple vehicles, and having an active AAA membership.

Remember, insurance rates can vary between companies, so it's always a good idea to compare quotes and explore your options to find the best deal for your situation.

Discounts for students

Students can get discounts on their car insurance premiums if they can demonstrate that they pose less risk. These discounts can reduce premiums and make car insurance more affordable.

Good Student Discount

Every major car insurance company offers a good student discount. This discount is typically around 10% to 15% off your premiums, and is given to student drivers who can demonstrate strong academic performance. Both high schoolers and full-time college students under the age of 25 are eligible.

To qualify for a good student discount, you may need to provide proof of your academic achievements. This could include:

• Good grades: Depending on your insurance company, you may need a grade average of B or a GPA of 3.0 or higher.
• Good standardized test scores: You may need to show your insurance company your test scores on the SAT, ACT, or PSAT.
• A letter signed by an administrator testifying to your academic achievements.
• A class ranking in the top 20% of your class.
• Dean’s list or honour roll recognition.

Driver's Education and Training Programs Discount

Completing a driver's education class can help reduce premiums for new and teenage drivers. Check with your high school or other participating organisations to see how to sign up for classes. You may also be able to get a discount for completing additional driver's education, like a defensive driving course.

Some insurance companies, like GEICO and State Farm, offer their own driver training programs for young drivers. State Farm's program is called "Steer Clear" and is offered to students under the age of 25. It tracks your driving, includes informational quizzes and videos, and offers a discount upon completion.

Distant College Student Discount

This discount is for the parents or guardians of a student who attends college a significant distance from their home. For example, if the student goes to school out of state and doesn't have their own vehicle, their parents can get a discount on their car insurance. This applies when the student is only likely to drive their family car during school breaks.

Affiliation Discounts for Students

Many students are affiliated with other groups or organisations, and some insurance companies offer discounts based on these affiliations.

Sorority, Fraternity, and Honours Society Discounts

Some insurers, like GEICO, offer discounts to members of certain fraternities, sororities, and honours societies. Check with your insurance carrier to see if they offer this discount, and your respective organisation may have additional information.

University and Alumni Discounts

In addition to the above, you may get a discount simply for attending or being an alumnus of certain universities. Not every university participates in this program, so check with your insurance company or university administrative office for more information.

Policy and Vehicle Discounts for Students

Insurance companies also offer policy-based discounts, such as bundling your auto policy with your homeowners or renters insurance. You can also get discounts based on your vehicle, such as if your car has extra safety features installed. These discounts aren’t specific to students but can be taken advantage of by young drivers.

AAA Discounts for Students

AAA offers a discount of up to 7% for full-time students or graduates up to the age of 25 who have a GPA of 3.0 or higher. This discount only applies to single, unmarried drivers.

Discounts for multiple vehicles

If you have more than one vehicle, you can save money on your auto insurance by insuring them all under the same provider. This is known as a multi-car insurance policy. Most car insurance companies offer multi-car discounts, and they can significantly offset the cost of insuring multiple vehicles.

Multi-car insurance policies are a popular choice for many households as they often include a discount and are usually a cheaper option than purchasing separate policies for each vehicle. A multi-car discount is offered to a driver who insures more than one vehicle with the same insurance provider. Typically, a multi-car discount reduces the costs of liability, collision, and comprehensive coverage by 10 to 25%. For example, GEICO offers up to a 25% discount, State Farm offers up to 20% off, and Progressive offers up to 10% off. AAA also offers a discount of up to 15.7% when you insure more than one vehicle.

There are other benefits to multi-car insurance policies besides the discount. One benefit is coverage stacking, which is when you can take advantage of your total amount of coverage in the event of an accident. For example, if you have two cars that each carry $50,000 in uninsured motorist coverage, you can combine that amount for a total of $100,000 in uninsured motorist coverage. Another benefit is streamlined payments, meaning you only have to pay one premium and keep track of one renewal date. Finally, if you have multiple vehicles damaged in the same incident, you only have to pay one deductible if all the vehicles are on the same policy.

When applying for a multi-car insurance policy, you will need to provide vehicle information for each car you want to add to the policy and information for each driver. Some companies will also want to know who the primary driver is for each car. When you submit your quote request, the company will automatically apply the multi-car discount.

Discounts for bundling with home insurance

Discounts for bundling home insurance with AAA auto insurance

Bundling your home and auto insurance is a great way to save money on your insurance premiums. Most insurance companies offer discounts if you purchase multiple types of insurance policies from them. AAA is no exception, offering a discount of up to 12.7% when you bundle your home and auto insurance with them.

Benefits of bundling home and auto insurance

There are several benefits to bundling your home and auto insurance in addition to the discount on your premiums.

• Fewer insurance hassles: Managing multiple insurance policies through a single company is more convenient than managing them through different companies.
• Streamlined billing: You will likely be able to combine bills if you bundle home and auto insurance, receiving only one bill for both policies each billing cycle.
• Single deductible: Depending on your insurer, you might qualify for a single deductible. This means that if your vehicle(s) and home are damaged in a single incident, such as a storm, you will only need to pay one deductible instead of two.
• Easy policy management: Bundling typically allows you to manage multiple insurance products in a single online account and via the same mobile app.

Drawbacks of bundling home and auto insurance

While bundling your home and auto insurance can offer several benefits, there are also some potential drawbacks to consider.

• Limited coverage and discount options: It may be challenging to find a carrier that offers all the home and auto endorsements you are looking for. If you are seeking specialized discounts, such as a telematics program, these may also be difficult to find across policies with the same company.
• May not result in the lowest rates: While bundling can provide significant savings, it is not always the cheapest option. In some cases, you may find that purchasing separate policies for auto and home insurance from different companies will result in lower rates, even without a bundling discount.

How to find the right home and auto insurance bundle

When searching for the right home and auto insurance bundle, consider the following steps:

• Decide what you want from your insurer: Determine your priorities, such as finding a company with a vehicle telematics program or one that offers the cheapest policies.
• Get home and auto insurance quotes: Research and request quotes from several insurance providers that offer bundling discounts, using the same coverage types and amounts for each policy to facilitate comparison.
• Review each quote carefully: Pay attention to the premium price, the amount of the bundling discount, and any perks or special features offered by the insurance company.
• Choose a company and start your policies: Once you have selected the insurer that best meets your needs, work with an insurance professional to walk you through the process of purchasing your policies.
• Cancel your previous insurance policies: If you already have home and auto insurance coverage with other carriers, remember to cancel your existing policies once you switch to a new carrier.

In summary, bundling your home and auto insurance with AAA can offer significant savings and convenience. However, it is important to carefully consider your options and compare quotes from multiple providers to ensure you are getting the best deal.

Frequently asked questions