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Looking for ways to save on auto coverage? Good news: AAA offers plenty of car insurance discounts.
Good Driver
Get up to a 20% discount for drivers with clean driving records over a period of time.1
Car and Home Bundle
Save up to 12.7% when you bundle AAA home and auto insurance. 2
Multi-Car
Get up to a 15.7% discount when you insure more than one vehicle.3
Good Student
Get up to a 7% discount for full-time students or graduates up to age 25 who have or graduated with a GPA of 3.0 or higher.4
AAA Member
Receive up to 5% savings for having an active AAA Membership.
1 Valid U.S. or Canadian license with 36+ months of driving experience required. Certain incidents/violations may disqualify eligibility.
2 Multi-policy and other discounts vary based upon eligibility. Discounts not cumulative; certain restrictions apply.
3 Multi-car discount applies when more than one vehicle is on a policy. Consult your agent to understand all applicable discounts and your actual price for insurance.
4 Driver must be 16-25 years of age, unmarried, a full-time high school or college student, or part time college student completing at least six credit hours per term, or a college graduate, and must maintain a B average, or equivalent to qualify for the discount. A copy of the grade report for the immediate preceding school term, or last term for graduates, must be provided.
AAA Car Insurance Coverage
AAA offers customized coverage to protect you, your passengers, other drivers, property, and more. Your AAA Insurance Agent can help you find the perfect car insurance coverage for you.
Type of coverage | |
|---|---|
Covers the injuries of others if you’re at fault | |
Covers the property of others if you’re at fault | |
Covers medical expenses for you and your passengers | |
Covers your car if it is damaged by another car or object | |
Covers your car for a non-collision incident | |
Full Safety Glass | Covers windshield and window repairs |
Covers a set daily amount for a rental car | |
New Car Added Protection | Covers your new car without a deduction for depreciation |
Helps cover your car loan if your vehicle is totaled or stolen and you owe more than the car’s worth | |
Automobile Death Benefit | Pays a benefit if death is caused by a car accident |
*Required in California
AAA offers savings, reliability, and value.
- Enjoy fast, efficient claims service 24/7.
- Our insurance has earned an A (Excellent) rating from A.M. Best for financial strength and stability.
- Combine AAA Membership with your auto insurance policy and get our award-winning roadside assistance, discounts on car repair, and DMV services at select AAA locations.
Talk to an experienced AAA Insurance Agent to customize your policy and maximize your savings. Whether your vehicle is new, used, owned or leased, our agents know how to help.
Answers to Your Car Insurance Questions
Find out what could be causing your car insurance to increase.
Learn how choosing your deductible amount affects your premium rate.
Follow these helpful tips after a car accident--whether it is a minor fender bender or major crash.
Frequently Asked Questions about Auto Insurance
It might cover both, depending on your policy.
Some policies protect the car. If you have an accident and your car gets dinged—or worse—optional collision coverage will help pay to repair or replace it. Comprehensive insurance, which is another optional coverage, applies for non-crash-related hazards. So if a storm floods your car, a squirrel gnaws on your wiring, or loose bricks fall onto your hood, comprehensive coverage will help pay for the repairs. And liability coverage, which is required in most states, pays for the damage to another driver when you are responsible for an accident.
Other policies may help pay for medical costs if someone gets hurt in a crash. If another driver hits you, for example, their liability coverage may extend to your accident-related injuries. And depending on the state you live in, your health care provider can secure a lien for the full amount owed for bodily damages.
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.
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.
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.
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.
Visit MyPolicy and sign up to view and print your proof of insurance ID card. Make sure to have your Membership number and policy number ready.