AAA generally checks your driving record every 6 to 12 months, when you apply for a new policy or renew an existing one. Most car insurance companies tend to check less frequently if you have been their customer for a while, however, as they already have a sense of your driving habits.
Key Things to Know About AAA Driving Record Checks
For new customers, AAA will check your driving history to determine your insurance rates and how risky of a driver you are to insure. A recent at-fault accident or serious traffic violation could significantly raise your rates.
Once you are an existing customer, AAA will run a check on your driving record at least a few weeks before your policy is set to expire. This allows AAA to reassess your riskiness and determine your premium.
AAA gets your driving record from your state’s DMV or LexisNexis, and they check the past 5 years for accidents and moving violations.
If you were cited for a moving violation or got into an accident mid-policy, your rates will not change until your next renewal.
If your driving record has any new violations since AAA last checked, your rates will likely increase. For example, AAA insurance premiums will increase by an average of 59% after an accident, and by 36% after a speeding ticket.
If your AAA insurance rates recently increased because of an accident or a moving violation on your driving record, you can look for discounts from AAA to help lower your rates, consider increasing your deductible, or potentially trade in your car for one that is cheaper to insure. You should also compare quotes from other companies to see if you could get cheaper rates by switching insurers.
Yes, AAA does offer accident forgiveness through some of its regional clubs, though eligibility requirements and availability vary. For example, the AAA Michigan auto club offers claim forgiveness as a part of its Advantage and Unlimited packages for drivers who have been claim-free for five years. On the other hand, Florida’s AAA club offers accident forgiveness for drivers who’ve had a home and auto bundle for two years.
AAA insurance rates go up by an average of 24% after an accident. Even though an accident will cause AAA to raise your car insurance premium when you renew your policy, the added cost will only be temporary. An accident will usually affect your AAA premium for just 3-5 years.
The exact amount that AAA premiums go up after an accident depends on a few factors, including who was at fault, how much damage was caused,...
Insurance companies get driving records directly from state DMVs or LexisNexis. When buying auto insurance, you agree to let car insurance companies check your official driving record for past moving violations and your CLUE report for past auto insurance claims.
Records That Insurance Companies Check
Your driving record, also known as your Motor Vehicle Record (MVR), generally contains information about your driver’s license, moving violations, DUI convictions, and completed defensive driving courses....
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