With AAA, you could save hundreds on auto insurance

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With AAA, you could save hundreds on auto insurance

Enjoy savings, service, and security

  • discounts

    DISCOUNTS

    Combine your policy, vehicle, and driver discounts to save even more
  • legendary service

    LEGENDARY SERVICE

    Knowledgeable and friendly agents are dedicated to helping you
  • financial stability

    FINANCIAL STABILITY

    You can count on us; we have A.M. Best ratings from A- (Excellent) to A+ (Superior)1

Use your savings for the things you love

Paula and Joaquin say they’ve seen a huge difference since switching to AAA insurance. With their savings of more than $450, these volunteer coaches were able to buy equipment for their daughter’s softball team. “AAA insurance allows us to do so much more with our kids,” Joaquin says.
 

Join the AAA family today and, just like Paula and Joaquin, you could do more with your savings.

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You could get money back with a policyholder savings dividend

For years, we’ve continued to grow thanks to our loyal members and insureds. As an auto insurance policyholder, you could receive money back just for insuring through the Auto Club. While these dividends are not guaranteed, and the amount may vary, they have been paid for more than 20 years.

  • In 2017, the average auto policyholder dividend was $182.
  • In 2016, the average auto policyholder dividend was $179.
  • In 2015, the average auto policyholder dividend was $177.
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AAA Texas policyholders get AAA YourAuto, which comes with:2

  • Accident forgiveness: You could qualify depending on your driving history.
  • Extended car rental expense coverage: You can extend your existing rental coverage until your vehicle is repaired after an accident.
  • Pet coverage: If your dog or cat is injured in a crash with you, up to $500 in vet bills is covered.
  • 12-month policy: Many other companies only offer a six-month policy.

You can also buy the following additional coverage options:

  • New vehicle replacement: If your new vehicle is a total loss within the first full year of coverage, we will replace it.
  • Limited loan/lease payoff (gap coverage): If your vehicle is a total loss and you owe more than its value, this pays the remaining loan or lease balance.

 

Save up to 20 percent on your auto insurance with AAA OnBoard®


AAA OnBoard allows you to receive a discount on your insurance premium depending on the way your vehicle is driven. Upon activation, receive 10 percent off your auto insurance policy. Based on your Driving Score, you could save up to 20 percent at your next renewal once the driving data is collected.3

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Save big with plenty of discounts

We want to give you great service at a great value. That’s why in addition to our competitive rates, you could save even more with discounts based on your combined insurance policies, vehicle, and more.
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Rest assured if you have a claim

Our policyholders have counted on AAA for years to provide the legendary service we’re known for. 

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Get a free insurance policy review

Want to make sure you’re getting all the savings you can? Contact us today for a complimentary AAA policy review where we’ll explain your coverage options and available discounts. We’ll also review the drivers, cars, mileage, discounts, and deductibles on your policy.
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Understanding your coverage

Getting to the bottom of what your insurance really covers can be tricky. How does comprehensive coverage differ from collision coverage? What’s an “excess” medical payment? We break it down so you can choose what you need and how much.
COVERAGE TERMS
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Need to manage your existing policy? 

Sign up for automatic payments

Enroll today and you won’t have to worry about missing a payment. We will automatically charge your account when a payment is due. With AAA Auto Pay, you can rest assured knowing that your most important belongings will remain covered.
ENROLL
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Get a $100 travel certificate

Members who purchase a new auto insurance policy will receive a $100 travel certificate that can be used toward a cruise or tour package worth at least $1,000.2
$100 travel certificate

1A.M. Best ratings apply to the following AAA insurers: A+ (Superior) for Auto Club Casualty Company, Auto Club County Mutual Insurance Company, Auto Club Family Insurance Company, Auto Club Indemnity Company, Automobile Club Inter-Insurance Exchange, and Interinsurance Exchange of the Automobile Club; A- (Excellent) for Auto Club Property-Casualty Insurance Company and MemberSelect Insurance Company.  Ratings effective May 2017. 

Discounts are conditional, vary by policy, and may be mutually exclusive and apply to select coverages.


AAA membership requires a separate payment of annual dues and an admission fee for new members paying annually, and may be required for the purchase of AAA insurance.


AAA insurance is a collection of AAA branded products, services and programs available (where authorized) to qualified AAA members.  AAA personal lines insurance is provided by Interinsurance Exchange of the Automobile Club in CA, HI, NM, ME, NH, PA, VA, and VT; by Automobile Club Inter-Insurance Exchange (ACIIE) and Auto Club Family Insurance Company in AL, AR, IL, IN, KS, LA, MS, and MO; by Auto Club County Mutual Insurance Company and Auto Club Indemnity Company in TX; by Auto Club Property Casualty Insurance Company in KY and WV; and by MemberSelect Insurance Company in OH. Insurance may also be provided by independent carriers.  Life insurance is underwritten by AAA Life Insurance Company, Livonia, MI.  AAA Life is licensed in all states, except NY.  The Motor Club or its affiliates act as an authorized agent for insurers they sell insurance on behalf of, including AAA Life and AAA affiliate insurers. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent.


Home and renters coverage is not available in Louisiana (LA).  Auto insurance in LA is offered by ACIIE. Insurance coverage is not available in NY.

Policyholder savings dividend

What is a policyholder savings dividend?
The policyholder savings dividend is a discretionary sum returned to a policyholder by the Interinsurance Exchange of the Automobile Club (“Exchange”) out of its surplus. Dividends are not guaranteed and are paid when approved by the Exchange.

If payment of a dividend has been approved, when would I find out?
If a dividend is approved for payment, it will be listed in your auto renewal offer, which you should receive at least 30 days before the expiration date of your policy. Although you will be notified of a dividend payment in the renewal offer, you are not required to renew your policy to qualify for the dividend.


How do I earn a dividend that has been approved?
To earn any approved policyholder savings dividend, all you need to do is complete your policy term. If your auto policy is canceled before the expiration date, a dividend will not be paid on the policy.


Are dividends guaranteed?
No. Dividends are approved at the discretion of the Exchange, and the amount of any future dividend may vary from year to year. While auto insurance dividends are not guaranteed, they have been paid for more than 20 years.

 

Help me understand the types of coverages

Please note that available coverages are subject to policy limits and may vary by state. Personal lines insurance may not be available in every state or throughout a state. Please consult your local AAA agent. 

 

Accidental death, dismemberment

This coverage pays within 90 days of an accident if death or dismemberment (hand, foot, finger) occurs while you or a relative are in a covered vehicle. 

 

Bodily injury liability

If you or someone you insure is at fault in a collision that injures someone else, this coverage protects you from injury claims or lawsuits brought against you. 

 

Car rental or transportation expenses

If your car isn’t drivable or has to be sent to a shop for repairs, this coverage pays for car rental or public transportation expenses.

 

Collision 

Once you’ve paid your deductible, this coverage pays for repairs to your vehicle if it’s damaged in a collision with another vehicle or an object.

 

Comprehensive

Once you’ve paid your deductible, this coverage pays for repairs to your vehicle caused by something other than a collision, such as fire, theft, vandalism, glass breakage, or wind damage.

 

Excess medical payments

This coverage pays for post-collision medical care that you or your passengers may need that isn’t covered by primary medical insurance. If you receive medical care outside of your health carrier’s plan, you may be required to pay the initial $2,000 of medical expenses.

 

Medical payments

This coverage pays for medical expenses if you or occupants in your car are injured in a collision, no matter who's at fault.

 

Personal injury protection

If you and your passengers are injured in an auto collision, this coverage pays for medical expenses and lost wages no matter who’s at fault. It also provides coverage if you or relatives who live with you are injured as a pedestrian.

 

Property damage liability

If you or someone you insure is at fault in a collision that damages someone else’s property, such as a vehicle or building, this coverage pays for repairs and protects you from lawsuits.

 

Uninsured collision

If you don’t have collision coverage, this coverage pays for repairs to your car or the cash value of your car (whichever is less) up to $3,500 if it’s damaged by an uninsured motorist.

 

Uninsured/underinsured motorist – bodily injury

This coverage pays for bodily injury damages if you’re injured by an uninsured or underinsured driver and they’re at fault.

 

Uninsured/underinsured motorist – property damage

This coverage pays for damage to your property that results from an accident caused by an uninsured or underinsured driver. A deductible may apply if the vehicle owner/driver cannot be identified or if the accident is a hit-and-run. 

 

AAA Member Preferred Repairs

Of course you can have your vehicle serviced at a repair facility of your choice. But with AAA Member Preferred Repairs, we’ll point you to pre-qualified facilities, including specialists in stereo equipment and auto glass replacement. The service you receive is maximized with a lifetime warranty on workmanship.1

 

Get in touch with our claims team and we'll provide you with the names of pre-qualified facilities closest to you.

 

1The lifetime warranty on workmanship applies to each claims repair under the program. A facility must first be given the chance to correct the issue before AAA facilitates correcting the issue. Parts and materials, normal wear and tear, rust, and damage from unreasonable use, improper maintenance, and modifications are excluded. The warranty is non-transferable, and does not apply to those with liability-only or other limited coverage. Other restrictions apply.

 

Product not available in all markets

 

AAA Accident Assist

AAA policyholders can get assistance after a crash by contacting our claims team. With AAA Accident Assist1, we’ll:

  • Send a truck to tow your vehicle to the repair shop of your choice
  • At your request, contact family members on your behalf
  • Arrange a rental vehicle if coverage applies 
  • Complete your claim notice at your convenience

 

If you’re in a crash, call AAA Accident Assist from a safe location and provide the following information: 

  • Date and time of crash
  • Street and city where crash happened
  • Police report information, if any (officer name, badge number, report number)
  • Other party’s name, address, driver’s license number, insurance information, policy number
  • Involved vehicle’s license plate number, make/model of vehicle, color of vehicle, number of passengers
  • Witnesses and description of damage, if applicable

 

Having your car repaired at a AAA Member Preferred Repair shop:

  • Saves you time by scheduling a repair without you having to wait for an adjuster
  • Gives you a lifetime warranty on workmanship for the repair

 

1For members with liability-only or other limited coverage with AAA’s affiliate insurer, roadside assistance service is provided under your membership (not your insurance policy), and may be subject to membership restrictions. Repairs, rentals, and other benefits are subject to policy coverages and limits.

Product not available in all markets.

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