Paul Sanchez
AAA offers multiple ways to save on your annual auto insurance premium. The company provides a range of discounts for its members, including for safe driving, low mileage, multi-vehicle insurance, and more. In addition, you can lower your premium by increasing your deductible, improving your credit history, and bundling your policies.
| Characteristics | Values |
|---|---|
| Discounts | SMARTtrek, eValue, AAA membership, multi-policy, multi-vehicle, good student, low mileage, full payment, paperless billing, driver training program, higher deductible, new loan, home protection, loyalty |
| Factors that increase insurance cost | Speeding tickets, serious traffic violations, accidents, age, past claims, time spent on the road, location, vehicle type, gender |
What You'll Learn
AAA offers a discount for having your driving habits monitored
AAA offers a range of ways to save on your annual premium, including discounts on auto insurance. One such discount is SMARTtrek, which is similar to the Good Driver discount. Both new and existing clients can get a 10% discount for having their driving habits monitored. This is known as the AAADrive™ insurance discount program, which is a tool that measures your driving habits and produces a safe driver score.
To be eligible for the AAADrive™ insurance discount, you must be a current AAA Member residing in an Auto Club Group (ACG) Club territory and/or an ACG insurance customer enrolled in the AAADrive™ Insurance Discount program. You must also download the AAA Mobile app to your smartphone and register for the program. The app will then collect data on factors that are important to every safe trip, including mobile phone distraction, smooth driving, speed, time of day, and fatigue. After each trip, you will receive a score and feedback on your driving performance.
The safer you drive, the higher your score and the more you can save on your auto insurance premium. You can qualify for discounts of up to 25% based on your score. In addition, you will receive a 5% discount just for enrolling in the program (10% if you enroll every family member on your policy).
It is important to note that the SMARTtrek and eValue discounts are not available in California.
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Discounts are available for paperless billing
AAA offers a 5% discount on auto insurance for customers who opt for paperless billing. This is known as the eValue discount. While this discount is not available in California, it can be combined with other discounts, such as SMARTtrek, to save up to 15% on your insurance premium.
The eValue discount is a great way to save money and reduce environmental waste. By opting for paperless billing, you can conveniently receive and manage your insurance bills online. This means no more clutter and the added benefit of having all your insurance information in one place.
To take advantage of the eValue discount, simply log in to your AAA account online and update your billing preferences to paperless. This small change can lead to significant savings over time.
In addition to the eValue discount, AAA offers a variety of other ways to save on your auto insurance. For example, you can save 7% by paying your annual premium in full. You can also bundle your auto insurance with other AAA policies, such as home or life insurance, to receive a multipolicy discount.
By taking advantage of these discounts and reviewing your insurance policy regularly, you can keep more money in your pocket while still enjoying the peace of mind that comes with being a AAA member.
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You can save money by paying your premium in full
If you can afford to pay your auto insurance premium in full, you can save money on your annual premium. AAA offers a 7% discount if you pay in full. This is a great way to save money, and you can also benefit from any rewards points you get from using your credit card.
Paying your premium in full is just one of the ways you can save money on your auto insurance with AAA. You can also save by bundling your policies. AAA offers a 25% discount on home insurance if you also have auto insurance with them.
You can also save by going paperless with your billing. AAA offers a 5% eValue discount for paperless billing. If you're driving less, you can also save by lowering your deductible. Check with your agent to see if you should make any changes to your coverage.
There are many other ways to save on your auto insurance with AAA. These include:
- Being an alum of certain schools
- Having certain factory-installed safety equipment
- Owning a car with approved theft prevention devices
- Having continuous auto insurance coverage from AAA
- Meeting AAA's standards for a safe driver
- Completing a driver training course
- Insuring more than one vehicle with AAA
- Being in the military
- Being a AAA employee or member
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Insuring multiple vehicles through AAA may bring savings
Insuring multiple vehicles through AAA can lead to significant cost savings. One of the most effective ways to reduce your annual premium is to bundle your policies. AAA offers a multipolicy discount, which means you can save up to 25% on your home insurance if you also insure multiple vehicles with them. This is a great way to keep costs down, as you can manage all your insurance needs in one place and benefit from the convenience and potential loyalty discounts.
In addition to the multipolicy discount, AAA offers a range of other ways to save on your auto insurance. For example, if you pay your premium annually and in full, you can receive a 7% discount. You can also benefit from a discount if you choose to go paperless with your billing, receiving a 5% reduction. If you are happy to have your driving habits monitored, you can opt for the SMARTtrek program, similar to the Good Driver discount, which offers a 10% discount. These discounts can really add up, especially when combined with the multipolicy discount.
Another way to save on your auto insurance is to consider the insurance costs before selecting your vehicle. Premiums are based in part on the car's make and model, and certain automotive features can also reduce the risk of theft or personal injury, which may lead to further discounts. For example, having factory-installed safety equipment or approved theft prevention devices can result in lower premiums.
Finally, it is worth noting that AAA insurance products and discounts may differ depending on your location, so it is always a good idea to contact your local AAA branch or agent to discuss your specific situation and find out what savings you could make by insuring multiple vehicles with them.
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Discounts are available for good students
AAA offers a good student discount of 10% on auto insurance for high school or full-time college students with a verifiable GPA of 3.0 or more. This discount can be as high as 14.5% depending on the state in which the student resides. Students who are 19 or under can also complete the AAA teenSMART program to get an auto coverage discount of up to 24%. This program is available in California, Arizona, Montana, Nevada, Utah, and Wyoming.
Students who opt for paperless billing can also get an additional eValue discount of 5% on auto coverage. This discount is available in Arizona, Montana, Nevada, Utah, and Wyoming.
In addition to these discounts, students can also benefit from AAA's distant student discount. This discount is available for students who attend college at least 100 miles from home and only drive when they are at home. The distant student discount can save up to 30% on auto insurance and is available in Arizona, Montana, Nevada, Utah, and Wyoming.
By taking advantage of these discounts, good students can significantly reduce their auto insurance premiums with AAA.
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Frequently asked questions
AAA offers multiple discounts that can help lower your annual premium. One such discount is SMARTtrek, which is like the Good Driver discount, where existing and new clients can get a 10% discount for having their driving habits monitored. AAA also offers a 5% eValue discount for paperless billing.
If you're driving less, you can consider lowering your deductible. You can also save on your auto coverage by bundling your policies. AAA offers a 25% discount on home insurance if you also have auto insurance with them.
AAA offers a 7% discount if you pay your annual premium in full. You can also save money by paying electronically and setting up automatic payments.
You can increase your deductible, which will lower your premium. Just make sure you can cover the higher deductible if you need to make a claim. Improving your credit history can also help lower your rate, as people who manage their credit well tend to file fewer claims.
Yes, AAA offers a variety of discounts that may vary by state. Some of these include being an alum of certain schools, having factory-installed safety equipment, owning a car with approved theft prevention devices, meeting AAA's standards for a safe driver, and more. Contact your local AAA agent or visit their website for more information.
