AAA Car Insurance

Yes, In many cases it does.

If another driver hits your car and cracks your windshield, that driver’s liability coverage pays for your repairs.

If you cause a car crash that cracks your windshield, and you have optional collision coverage, you can file a claim with your own insurance company.

If your windshield gets cracked from something other than a car crash—like a falling tree branch, a rogue baseball, or debris from the freeway—you’re protected if you have optional comprehensive coverage.

No, not usually. 

No, having a baby doesn’t affect your insurance rates.

Not necessarily. Convertibles do tend to have extra parts—such as the mechanisms that control the top—which might cause your rate to creep up a bit. But overall, your rate depends on a range of factors, including the model you have. Insurance for some convertibles is actually quite affordable.

Hardtops, for example, are less expensive to insure. For one thing, thieves have more trouble getting into a hardtop than a soft-top. And soft-tops can tear and let rain in, causing damage, while hardtops tend to offer better weather protection.

If you have a high horsepower sports car, you’ll have a blast on the road—but you’ll also pay more for auto coverage. In fact, any pricey car usually comes with higher insurance rates. 

Owning your car is cause for celebration, but it won’t automatically cause your insurance rates to drop. However, when you finance your car, your lender might require you to carry a policy with lower deductibles—and thus higher premiums. So if you’re willing to raise your deductibles, you may be able to lower your monthly payments.

Talk to your insurance agent, who can help you make any changes while ensuring that you’re adequately protected. Your agent will also remove your lender from your policy. That way, if you have an accident and need to file a claim, the money will go to you—and not your lender.

Yes and no. Depending on the policy you choose, AAA covers car rentals if your insured vehicle is out of commission due to breakdown, repair, servicing, or loss, and also leisure rentals (with certain limits). However, there are policies with reduced coverage that do not extend to leisure travel, so check with your agent. 

Should you have any questions about rental car coverage, talk to your AAA insurance agent for more information.

Yes, comprehensive coverage from AAA includes windshields. Also, keep in mind that AAA Members save 10% on auto glass repair or replacement from any Safelite AutoGlass repair facility or mobile service.

If you’re a rideshare driver, your standard AAA coverage is in effect when you’re not working and your rideshare app is turned off. When you are working, insurance provided by the rideshare company—like Uber, for example—takes over. It’s important to know that your rideshare company’s policy should offer minimal protection—usually just liability coverage.

Outside of California, you can purchase a rideshare endorsement from AAA that provides extra coverage while you’re working. This extra protection comes into effect when you’re logged in to your app but not yet matched with a customer, when you’ve been matched with a rider but haven’t yet picked them up, and while the customer is a passenger.

If someone has an existing insurance policy with AAA (or any other insurance company), they have a 14-day to 30-day grace period to insure their new car, depending on the type of policy. However, if an individual purchases a new car and has never had an insurance policy before, they need to purchase insurance before they drive off the lot.

Absolutely! AAA accepts credit card payments for your auto insurance premium.

Yes, you can pay your bill online in mere moments. You can also use the AAA Mobile app to pay your bill. Simply log in and, on the home page, scroll down to Account Actions. Just beneath that, under Insurance, click on "Pay Your Insurance."