McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Yes, AAADrive can raise your rates due to poor driving habits, such as distracted driving or speeding, when your policy renews. With good driving habits, however, you can save up to 25% on your premium each year by participating in AAADrive.
Key Things to Know About AAADrive
- AAADrive tracks things like smooth driving, speed, distracted driving, the time of day that you typically drive, and fatigue.
- AAADrive users are eligible for an initial discount of up to 5% just for signing up and logging trips daily.
- Drivers can use the AAADrive app to track their habits.
- AAADrive has a 4/5 rating from WalletHub's editors.
- Customer reviews of the app average 4.4 out of 5.
- Minimum coverage from AAA costs an average of $44 per month if you don’t use AAADrive.
How to Avoid Higher Rates with AAADrive
The best way to avoid increased rates when using AAADrive is to practice safe driving. This includes minimizing rapid acceleration and hard braking, driving less overall, and not driving late at night. You should also avoid distractions like phone use while driving.
To learn more, check out WalletHub's full review of AAADrive.
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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.
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read full answer by Candace Baker, Car Insurance WriterHow does AAADrive work?
AAADrive works by tracking your driving habits through a smartphone app and rewarding safe driving with lower rates. AAADrive monitors things like speeding and phone usage, and AAA will not raise your rates for poor driving habits.
Key Things to Know About AAADrive
- Customers who sign up for Drive will automatically get an initial discount of 5%.
- AAA customers who drive safely can save up to 30% while using Drive.
- ...
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@melle: Yes, you are correct. A closer look at AAADrive’s terms and conditions does show that AAA may use the data collected during your participation in AAADrive to rate and underwrite your policy, which can increase or decrease your rate. Thank you for letting us know, and we have updated the answer above.
Where are you getting your data that they will NOT raise rates for poor driving score based on usage of the app? In the terms and conditions of AAADrive it clearly says they can use data from the app to increase your overall premium amount at renewal. Can i ask what your source is?