Affordable Auto Insurance: Aaa's Cheapest Plans Revealed

AAA offers auto insurance to its members through 50+ regional branches across the US. The company provides multiple coverage types, but auto insurance is only available to paid AAA members. AAA membership starts at $50 per year and increases depending on location and selected services. The auto insurance quote depends on factors such as age, location, driving history, and credit score. AAA also offers multiple discount opportunities, such as the good student discount, multi-car discount, and good driver discount.

Discounts for AAA members

AAA members can enjoy a wide range of discounts and rewards on everyday items and when travelling. The discounts are available on items for use at home and on the go. AAA members can earn automatic savings when shopping with any of their more than 100,000 discount partners. The AAA Discounts & Rewards program offers exclusive discounts at home and when travelling.

Automotive Discounts

AAA members can save 30 cents per gallon on their first fill-up at Shell when they join the Fuel Rewards program. They also get 10% off most auto parts and accessories, and $22 off AAA Premium Batteries. There is also a discount on the CARFAX Vehicle History Report.

Personal Services Discounts

There are discounts of 50% on lenses with a frame purchase, 30% off eye exams and non-prescription sunglasses, 15% off lenses or frames purchased separately, and 10% off disposable contact lenses. AAA members can also get up to 20% off Spot Pet Insurance Plans, and 10% off food, non-alcoholic beverages, and non-charity merchandise, plus earn Hard Rock Rewards.

Entertainment Discounts

AAA members can save up to 30% on tickets, enjoy a two-month free trial that includes two free bestsellers or new releases, and a four-month Platinum streaming free trial. There are also savings of up to 20% on the base rate of daily, weekend, weekly, and monthly rentals, plus exclusive benefits and promotional offers.

Home & Business Discounts

AAA members can save up to 30% with on-demand printing services, 15% off a new mailbox, in-store print/copy services, packing/office supplies, and more. They can also save an average of $840 on state-to-state moves with Full-Value Protection at no additional charge. There are also savings on Dell-branded PCs, electronics, and accessories, and up to 35% off select HP products with free shipping and dedicated support.

Discounts for bundling insurance

AAA Insurance offers a range of discounts to its customers, including those for bundling insurance policies. By combining multiple types of insurance, such as auto and home insurance, customers can benefit from significant cost savings and simplified coverage management.

One of the key advantages of bundling insurance with AAA is the financial savings it offers. AAA provides a meaningful discount when customers purchase more than one policy from them. For example, Floridians who switch and bundle their home and auto insurance through AAA Insurance can save an average of $1,423. This represents a substantial cost reduction for those who choose to consolidate their insurance needs with AAA.

In addition to the financial benefits, bundling insurance with AAA also offers convenience and simplicity. Customers only need to manage one policy, pay one premium, and deal with a single deductible. This streamlined approach reduces the complexity often associated with insurance coverage and makes it easier for individuals to keep track of their insurance obligations.

AAA also provides exclusive benefits that come with their membership. These benefits include 24/7 nationwide roadside assistance, mobile battery service, discounts at various retailers, and free ID theft monitoring. The inclusion of these additional services further enhances the value proposition of bundling insurance with AAA.

Furthermore, AAA has a strong track record in the insurance industry, having insured drivers for over 100 years. Their financial strength, as affirmed by AM Best, provides customers with peace of mind and stability. AAA's brand recognition and long-standing reputation make them a trusted choice for individuals seeking reliable insurance coverage.

Discounts for good students

Students who are in high school or enrolled as full-time college students and have a verifiable GPA of 3.0 or above (a "B" average) may be eligible for a good student discount on their auto insurance. AAA, for example, offers a 10% discount for good students. Other insurance companies like State Farm and Geico offer good student discounts of up to 25% and 15% respectively.

To qualify for a good student discount, you must usually earn at least a B average in your classes and submit proof to your insurer. This can be done by sending a copy of your latest report card or transcript, though the requirements may vary depending on the insurance provider. It's important to note that eligibility for the good student discount may also depend on age, with some companies offering the discount to students up to 25 years old.

In addition to the good student discount, many insurance companies offer other discounts that can benefit students, such as:

• Driver's training discount: Discounts are offered for completing a defensive driving or driver's education course.
• Distant student discount: Students in college who live away from home and don't have regular access to a vehicle may be eligible for a lower rate.
• Affiliation discounts: Some universities, fraternities, and sororities have negotiated discounts with certain insurance carriers.
• Telematics discounts: Programs that monitor your driving habits in real time and offer discounts for safe driving behaviour.

By taking advantage of good student discounts and other available discounts, students can significantly reduce their auto insurance premiums.

Discounts for safe drivers

Safe drivers can benefit from various discounts on auto insurance, which can significantly reduce their premiums. Here are some ways safe drivers can save on their auto insurance:

Defensive Driving Courses

One of the best ways to secure a safe driver discount is to take a defensive driving course. These courses teach techniques for accident prevention and respectful driving in relation to other motorists. GEICO, for example, offers discounts to drivers who complete approved defensive driving courses. The eligibility criteria and discount amounts vary by state, but generally, drivers must be over 50 years old and have completed the course voluntarily (not due to a court order).

Safe Driving Apps

Some insurance providers offer discounts to customers who use specific safe driving apps. For instance, State Farm's Drive Safe & Save® program offers discounts of up to 30% based on driving behaviour tracked through their mobile app.

Good Driving Record

Maintaining a clean driving record is essential for safe driver discounts. Avoiding speeding tickets, reckless driving citations, and other violations will help you qualify for lower insurance rates.

AAA Membership

AAA members can save on their auto insurance premiums. The discount is available to any driver on the policy who holds an active AAA membership.

Multi-Policy Discounts

Safe drivers can also benefit from bundling their auto insurance with other types of insurance, such as home or life insurance. For example, AAA offers a Companion Home discount when the named insured or rated spouse has a AAA Homeowner policy.

Safe drivers can take advantage of these discounts to reduce their auto insurance costs. By combining safe driving practices with strategic policy choices, drivers can keep more money in their pockets while staying protected on the road.

Discounts for multi-car policies

A multi-car insurance policy is a single policy that covers multiple vehicles garaged at the same address. It is a popular choice for many as it offers a discount and is often cheaper than purchasing separate policies for each vehicle. Most insurance companies offer multi-car discounts, and the savings can be significant. For example, GEICO offers up to a 25% discount, while State Farm offers up to 20% off.

The benefits of a multi-car policy go beyond just the discount. With a multi-car policy, you only need to pay one premium and keep track of one renewal date, making it more manageable. Additionally, in the event that multiple vehicles are damaged in the same incident, you only need to pay a single deductible if they are all on the same policy.

When it comes to coverage, a multi-car policy works similarly to a single-car policy. You can select different types of coverage for specific vehicles. For example, you can have full coverage on a new car and liability-only coverage on an older car. Certain coverages, such as liability, uninsured and underinsured motorist, and emergency road service, are typically shared among all cars on the policy.

It's important to note that not all vehicles may qualify for a multi-car policy. For instance, motorcycles and classic cars typically require separate insurance policies. Additionally, if you have multiple residences, you may not be eligible for a multi-car discount.

To get the cheapest multi-car insurance quotes, it's recommended to shop around and compare rates from different insurance companies. By gathering quotes and considering various discounts, you can find the most affordable option for your needs.

Frequently asked questions