Does AAA have a loyalty discount?

You can get a good driver discount for car insurance by keeping a clean record for several years. Eight of the 10 largest insurance companies offer a good driver discount, though exact requirements and discount amounts vary.

Good Driver Discounts by Car Insurance Company

To learn more, check out WalletHub’s guide to car insurance discounts.

You can lower your AAA car insurance costs by taking advantage of AAA discounts, opting for a higher deductible, and reducing your coverage, among other things. AAA considers a variety of factors when calculating your premium, though some – like your age and location – are out of your control. Fortunately, you can take steps to influence other factors in order to lower your rate.… read full answer

How to Lower the Cost of Car Insurance from AAA

Use AAA’s auto insurance discounts

AAA offers a wide variety of discounts that can help you lower your overall car insurance bill. For example, drivers can get a discount of up to 27% if they insure two or more vehicles with AAA . Or you can save up to 14% on your premium if there is a student on your policy with a 3.0 GPA or higher.

Raise your car insurance deductible

Opting for a higher deductible on any of your insurance policies from AAA can lower your premium. But if you decide to go this route, it’s important that you choose a deductible amount that you can still afford if you suddenly need to file a claim. Otherwise, you might not be able to use the coverage that you have.

Reduce your car insurance coverage

Most states require a certain amount of bodily injury liability and property damage liability coverage. But there are other coverage options (like comprehensive, collision, personal injury protection, and uninsured motorist) that you may not have to purchase, depending on your state.

Less coverage usually means lower premiums, but it could also lead to higher costs in the long run, so it’s important to approach coverage decisions with caution.

Improve your driving record

Practicing safe driving habits and avoiding moving violations can help you qualify for lower AAA insurance rates long-term. You may also be able to attend traffic school in order to remove a violation or points from your record, depending on your state. AAA even offers a 5% discount to drivers who take an approved defensive driving course.

Build and improve your credit

Because your credit history is correlated with your likelihood of filing an insurance claim, AAA uses your credit data to calculate your premium in states where it is legal. As a result, having good credit makes you less of an insurance risk, which will reduce your rates over time.

Drive less

Whether you can shorten your commute to work, use more public transportation, or even ride a bicycle more, driving fewer miles each year could lower your AAA premium.

Drive an insurance-friendly car

Expensive cars, sports cars, and cars with high rates of theft are considered to be riskier to insure than cheaper, more practical vehicles. Before you buy a new car, get a new quote from AAA to see how it will affect your rate. If the cost is out of your budget, then you should probably choose a different car.

Sign up for AAA Drive

AAA Drive, the AAA telematics program, rewards you for good driving with a discounted premium. Specifically, AAA Drive tracks speed, acceleration, braking, distracted driving, and the time of day that you drive. By using AAA Drive, drivers can save up to 30% on their rate.

Finally, if you’re still struggling to afford your AAA policy, you should consider switching insurers. Even if you’re not actively looking for a new policy, it’s generally a good idea to compare quotes from three different companies every 6-12 months. To learn more, check out WalletHub’s guide to switching car insurance companies.

To get a AAA affiliation discount, you must be employed in a qualifying occupation or be a member of an affiliated group, like a credit union, professional organization, or alumni association. Qualifying occupations may include engineers, lawyers, and educators, though eligibility requirements vary by regional club. Depending on the group or profession, customers may be able to get a discount on a AAA membership and/or AAA insurance.… read full answer

Examples of Groups Eligible for AAA Affiliation Discounts

• Engineers
• Scientists
• Medical professionals, including pharmacists, doctors, dentists, and veterinarians
• Educators
• Lawyers
• Members of the Family Financial Credit Union
• Members of a four-year university alumni association
• Members of the CA Society of Certified Public Accountants

This list is not exhaustive, since AAA does not publish its complete list of associated groups and professions. To see if you are eligible for an affiliation discount, you can call AAA at 1 (877) 387-8378.