Why Choose AAA for Auto Insurance
AAA has been offering auto insurance for over a century, combining trusted financial backing with member‑only benefits. Purchasing through AAA.com gives you access to nationwide coverage, roadside assistance, and discounts that are often unavailable through other insurers.
- Why Choose AAA for Auto Insurance
- Step 1: Verify AAA Membership
- Step 2: Gather Your Vehicle Information
- Step 3: Use the Online Quote Tool
- Coverage Options Typically Offered
- Step 4: Explore Discounts and Bundles
- Step 5: Review Your Quote
- Step 6: Complete the Purchase
- Step 7: Activate and Manage Your Policy
- Common FAQs
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Step 1: Verify AAA Membership
Most insurance plans on AAA.com require you to be an active member of the local AAA club. If you're not yet a member, you can sign up online or at a local office. Membership typically costs a flat annual fee, which is often waived or reduced if you bundle it with insurance.
Step 2: Gather Your Vehicle Information
Have the following ready before you begin the online application:
- Vehicle Identification Number (VIN)
- Make, model, year, and trim
- Current mileage
- Primary driver's name, date of birth, and license number
- Current insurance details (if any)
Step 3: Use the Online Quote Tool
Navigate to aaa.com/insurance and select the auto insurance tab. Enter the required vehicle and driver details. The system will generate a range of coverage options based on the information provided.
Coverage Options Typically Offered
| Coverage Type | What It Covers | Typical Cost Range |
|---|---|---|
| Liability | Damage to other people's property and injuries | $100‑$250/month |
| Collision | Damage to your vehicle from a collision | $120‑$300/month |
| Comprehensive | Non‑collision damage (theft, weather) | $80‑$200/month |
| Uninsured Motorist | Coverage if the at‑fault driver lacks insurance | $50‑$120/month |
Step 4: Explore Discounts and Bundles
AAA offers several discounts that can lower your premium:
- Good driver discount – 10‑15% for clean records
- Multi‑policy discount – 10‑20% when bundling auto with homeowners or renters insurance
- Safety feature discount – 5‑10% for vehicles with airbags, ABS, or other safety tech
- AAA member discount – up to 15% off base rates
Step 5: Review Your Quote
After selecting coverage levels and applying discounts, review the final premium. Compare the annual cost with your budget and consider whether you need additional riders such as roadside assistance, rental reimbursement, or gap insurance.
Step 6: Complete the Purchase
Once satisfied, click the "Buy Now" button. You'll be prompted to create a secure account or log in if you already have one. Enter payment details, confirm coverage dates, and finalize the transaction. AAA will email you a confirmation and policy documents.
Step 7: Activate and Manage Your Policy
After purchase, you can manage your policy online:
- View and download documents
- Update personal information
- File claims through the online portal
- Schedule roadside assistance requests
Common FAQs
Do I need a credit check? AAA typically performs a soft credit inquiry for rate determination, which does not affect your score.
Can I switch to another insurer? Yes, but you must notify AAA and may face a waiting period if you cancel early.
Is roadside assistance included? It's an optional add‑on; however, many AAA members receive free roadside service as part of their membership.