No, AAA Drive will not raise your rates for poor driving habits. AAA Drive users are eligible for an initial discount of up to 5% just for signing up, and their rates will not go up for things like distracted driving or speeding. Good drivers can save up to 25% while using Drive, too.
Key Things to Know About AAA Drive
AAA Drive tracks things like smooth driving, speed, distracted driving, time of day that you typically drive, and fatigue
Drivers can use the Drive app to track their habits
AAA Drive has a 4/5 rating from WalletHub’s editors
Available in every state
Customer reviews of the app average 4.4 out of 5
Minimum coverage from AAA costs an average of $48 per month without Drive
Remember that poor driving while using Drive will not lead to as many discounts in the program as safe driving would. Additionally, regardless of whether you use Drive, AAA itself can raise your rates for things like at-fault accidents, speeding tickets, and other moving violations. AAA learns of such things from your driving record and CLUE report, rather than through Drive.
To learn more, check out WalletHub’s full review of AAA Drive.
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.
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 save 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.
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.
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
New driver or car added to a policy
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.
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