How much can you save with AAADrive?

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.... read full answer

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.

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.