You can replace your insurance card from Members Insurance Company () online, by calling their member service counselors at (800) 222-8252 or by stopping by one of their branch locations. Insurance companies will generally help you replace your physical insurance card with ease so there's no need to worry if you've misplaced yours.
Keep in mind that generally you will receive 2 copies of your insurance card when you sign up for coverage with a company, so if you've lost the one you keep in your vehicle you can try looking for the copy you were sent. Digital insurance cards are also legally considered an acceptable proof of insurance in every state (except New Mexico). By downloading your company's mobile app on your device, you can also use your phone as proof of insurance while you're waiting for your physical insurance card to arrive.
No, AAA does not offer temporary car insurance. The only way to get short-term car insurance from AAA, or any other reputable insurer, is to purchase a six or 12-month policy and cancel when you no longer need it. If you decide to terminate your AAA car insurance policy early, you may be required to pay a cancellation fee equal to about 10% of your remaining premium, depending on where you live. You may also be able to get a refund for any unused coverage time you’ve prepaid for.… read full answer
One AAA alternative to temporary car insurance is a non-owner policy, which is available to drivers who do not own or have regular access to a vehicle. Non-owner car insurance is cheaper than a standard auto policy, since you are not covering a specific vehicle. If you rent or borrow vehicles often but don’t own a car yourself, then AAA’s non-owner car insurance is an affordable option.
Yes, AAA car insurance policies can have a grace period of up to 30 days, depending on the state. This means AAA customers could have nearly one month to officially add a new car to their insurance policy and purchase any additional coverage they may need. During that grace period, the new car will be automatically covered by the existing policy.… read full answer
Keep in mind that your new car will only be covered by the types of coverage you already have. For example, if you have a liability-only policy and cause an accident, your insurance won’t cover any damage to your vehicle. It’s also important to note that the AAA new car grace period only applies to existing customers. Drivers without an active insurance policy must purchase coverage for the vehicle as soon as they buy it in order to avoid driving uninsured.
If you’re currently a AAA customer, you can add a new car to your policy online or by calling your regional AAA club. After you add the vehicle, you should expect your rate to go up, though the amount depends on the type of car that you purchase. Also, if you’re insuring your new car while keeping the old one, many AAA clubs offer a multi-vehicle discount that can help keep your rate manageable.
If you’re a new customer buying a AAA policy, you will need to provide the company with the vehicle identification number (VIN) and your personal information, including your driver’s license number and SSN. You cannot drive a new car off the lot without insurance, so you will need to have your policy set up on the same day that you buy the vehicle.
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 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.
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.
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