WalletHub, Financial Company
Yes, AAA car insurance policies can have a grace period of up to 30 days, depending on the state. This means AAA customers could have nearly one month to officially add a new car to their insurance policy and purchase any additional coverage they may need. During that grace period, the new car will be automatically covered by the existing policy.
Keep in mind that your new car will only be covered by the types of coverage you already have. For example, if you have a liability-only policy and cause an accident, your insurance won’t cover any damage to your vehicle. It’s also important to note that the AAA new car grace period only applies to existing customers. Drivers without an active insurance policy must purchase coverage for the vehicle as soon as they buy it in order to avoid driving uninsured.
If you’re currently a AAA customer, you can add a new car to your policy online or by calling your regional AAA club. After you add the vehicle, you should expect your rate to go up, though the amount depends on the type of car that you purchase. Also, if you’re insuring your new car while keeping the old one, many AAA clubs offer a multi-vehicle discount that can help keep your rate manageable.
If you’re a new customer buying a AAA policy, you will need to provide the company with the vehicle identification number (VIN) and your personal information, including your driver’s license number and SSN. You cannot drive a new car off the lot without insurance, so you will need to have your policy set up on the same day that you buy the vehicle.
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