Can AAA Drive raise your rates?

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.

The amount of AAA’s good driver discount varies between regional clubs, and some do not even offer such a discount at all. For example, the AAA club for Northern California, Nevada and Utah offers a 20% good driver discount, while the Southern California club does not have any good driver discount.... read full answer

Even if your regional AAA club does not have a good driver discount, you can still find other ways to save. You can see if your club offers other discounts for things like opting for paperless billing or completing a defensive driving course. Or, depending on your state, you may be able to save up to 30% on your coverage by allowing AAA to track your driving habits through AAADrive.

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

Your AAA rate could have gone up for many reasons, such as a recent claim or a new driver being added to the policy. Other factors that could cause AAA to raise your rate include getting into an accident, being convicted of a moving violation, and adding coverage to your policy. AAA may also raise your premiums for reasons that are beyond your control, such as recent natural disasters, increasing repair and healthcare costs, and crime trends.... read full answer

Top Reasons Why AAA Raises Rates

• Recent claims
• New driver or car added to a policy
• Moving violations
• At-fault accidents
• Increased coverage
• Lower deductible
• Recent switch to an expensive car
• Relocation to a high-risk zip code
• Decline in creditworthiness

How to Lower Your AAA Insurance

If you’re struggling to afford your AAA premium, there are a few steps that you can take to lower your rate. You can start by looking for AAA discounts that you can qualify for, such as the multi-vehicle or driver training discount. You can also make changes to your policy, including raising your deductible and reducing your coverage.

Another option is to switch insurance companies. Each insurer calculates rates differently, so you may be able to get the same amount of coverage elsewhere at a lower price. As a general rule, you should get quotes from at least three different companies every 6-12 months to make sure that you’re still getting the best deal.